63342

ZIPSAFMR

Warren County, MO

ZIP Investment Score

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$980	$1,030	5.7%
1 BR	$1,010	$1,070	5.1%
2 BR	$1,240	$1,290	4.7%
3 BR	$1,590	$1,670	4.3%
4 BR	$1,840	$1,630	4.3%
5 BR	$2,116	Not available	4.3%
6 BR	$2,433	Not available	4.3%
7 BR	$2,798	Not available	4.3%
8 BR	$3,218	Not available	4.3%

Purchase Price Calculator

Maximum purchase price

$129,777

Cost breakdown

+Likely effective rent$1,290

HUD FMR$1,240

Market rent$1,310

Est. payment standard (104%)Used$1,290

-Principal and interest-$656

Loan amount$103,822

Down payment$25,955

Rate6.50%

Term30 years

-Operating costs-$434

Property taxes-$130

Insurance-$175

Utilities$0

HOA$0

Management-$129

=Target cash flow+$200

Calculation mode

BedroomsCash-flow target

Down payment methodDown payment %

HOA / mo

Utilities methodUtilities amount

Management methodManagement % of rent

Hold period projections

Annual appreciation rate

3-year hold

+$20,898(80.5% ROI)

Projected value

$139,756

Return breakdown

Property appreciation+$9,979

Loan principal paid down+$3,720

Rental cash flow+$7,200

5-year hold

+$35,687(137.5% ROI)

Projected value

$146,831

Return breakdown

Property appreciation+$17,054

Loan principal paid down+$6,633

Rental cash flow+$12,000

10-year hold

+$76,154(293.4% ROI)

Projected value

$166,126

Return breakdown

Property appreciation+$36,349

Loan principal paid down+$15,806

Rental cash flow+$24,000

Public Housing Authority

Rolodex

Market Alignment

Studio

0.92ratio

FMR$980

Market$1,060

vs market-$80

FMR is near market; voucher and private rents are aligned.

0.92

1 BR

0.92ratio

FMR$1,010

Market$1,100

vs market-$90

FMR is near market; voucher and private rents are aligned.

0.92

2 BR

0.95ratio

FMR$1,240

Market$1,310

vs market-$70

FMR is near market; voucher and private rents are aligned.

0.95

3 BR

0.93ratio

FMR$1,590

Market$1,710

vs market-$120

FMR is near market; voucher and private rents are aligned.

0.93

4 BR

1.13ratio

FMR$1,840

Market$1,630

vs market+$210

FMR is above market; underwrite to market rent.

1.13

0.700.800.901.001.101.201.30aligned range

Historical

FY 2023-2027

FMR: FY2027
Market rent: last ~365 days
Property value: --
Tax rate: --
Mortgage rate: --

ZIP 63342 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 63342 (Dutzow, MO) is $1,240 a month. That is up 11.7% from $1,110 in FY 2026. Dutzow is in the St. Louis, MO-IL HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 13 ZIP codes in Warren County, 63342 is tied for the 3rd-highest two-bedroom rent (county range $960–$1,980). The median county two-bedroom FMR in Missouri is $962, so ZIP 63342 is 29% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 63342
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$870	$980	+12.6%	$882–$1,078
1BR	$910	$1,010	+11.0%	$909–$1,111
2BR	$1,110	$1,240	+11.7%	$1,116–$1,364
3BR	$1,430	$1,590	+11.2%	$1,431–$1,749
4BR	$1,650	$1,840	+11.5%	$1,656–$2,024

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 63342
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$980	$1,010	$1,240	$1,590	$1,840
FY 2026	$870	$910	$1,110	$1,430	$1,650
FY 2025	$850	$880	$1,090	$1,410	$1,640
FY 2024	$830	$870	$1,080	$1,400	$1,620
FY 2023	$670	$710	$890	$1,150	$1,350

Two-bedroom rent in nearby Warren County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 63342
63342Current	$1,240	—
63348	$1,980	+59.7%
63349	$1,150	−7.3%
63351	$960	−22.6%
63357	$1,180	−4.8%
63363	$1,010	−18.5%
63378	$1,240	0.0%
63379	$1,230	−0.8%
63380	$1,200	−3.2%
63381	$1,080	−12.9%
63383	$1,300	+4.8%
63390	$1,210	−2.4%

Questions about ZIP 63342 rents

How much will Section 8 pay for a two-bedroom in ZIP 63342?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $1,240, that basic range is $1,116 to $1,364 a month. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 63342 in?

ZIP 63342 is in the St. Louis, MO-IL HUD Metro FMR Area. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 63342 for FY 2027?

The two-bedroom FMR rose 11.7%, from $1,110 in FY 2026 to $1,240 in FY 2027. Since FY 2023 it has risen 39.3%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rent Dutzow, MO fair market rent MO statewide rents What is SAFMR?Data sources