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St. Francois County/Bonne Terre/63628

63628

ZIPSAFMR
St. Francois County, MO
Zillow

ZIP Investment Score

70Below average

095130300
BRFMR
Eff. Rent
0 BR$730$800
1 BR$740$810
2 BR$960$810
3 BR$1,160$980
4 BR$1,340$1,270
5 BR$1,541Not available
6 BR$1,772Not available
7 BR$2,038Not available
8 BR$2,344Not available

Purchase Price Calculator

Maximum purchase price
$58,449

Cost breakdown

+Likely effective rent$810
HUD FMR$960
Market rentUsed$810
Est. payment standard (90%)$860
-Principal and interest-$296
Loan amount$46,759
Down payment$11,690
Rate6.50%
Term30 years
-Operating costs-$314
Property taxes-$58
Insurance-$175
Utilities$0
HOA$0
Management-$81
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$13,369(114.4% ROI)
Projected value
$62,943
Return breakdown
Property appreciation+$4,494
Loan principal paid down+$1,675
Rental cash flow+$7,200
5-year hold
+$22,668(193.9% ROI)
Projected value
$66,130
Return breakdown
Property appreciation+$7,681
Loan principal paid down+$2,987
Rental cash flow+$12,000
10-year hold
+$47,489(406.2% ROI)
Projected value
$74,820
Return breakdown
Property appreciation+$16,371
Loan principal paid down+$7,119
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.72
1 BR
0.73
2 BR
1.19
3 BR
1.18
4 BR
1.06
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 63628 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 63628 (Bonne Terre, MO) is $960 a month. That is down 3.0% from $990 in FY 2026. Bonne Terre is in the St. Francois County, MO non-metropolitan FMR area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the county-wide two-bedroom FMR of $988. Among 18 ZIP codes in St. Francois County, 63628 is tied for the 15th-highest two-bedroom rent (county range $960–$1,170).

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 63628
BedroomsFY 2027Change90–110% range
Studio$730−3.9%$657–$803
1BR$740−7.5%$666–$814
2BR$960−3.0%$864–$1,056
3BR$1,160−8.7%$1,044–$1,276
4BR$1,340−9.5%$1,206–$1,474

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 63628
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$730$740$960$1,160$1,340
FY 2026$760$800$990$1,270$1,480
FY 2025$840$880$1,090$1,410$1,640
FY 2024$690$720$900$1,170$1,370
FY 2023$630$680$860$1,110$1,310

Two-bedroom rent in nearby St. Francois County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 63628
63624$9600.0%
63626$1,070+11.5%
63628Current$960—
63630$990+3.1%
63637$9600.0%
63640$1,060+10.4%
63645$1,060+10.4%
63648$1,110+15.6%
63650$1,170+21.9%
63651$990+3.1%
63653$1,060+10.4%
63654$1,140+18.8%

Questions about ZIP 63628 rents

How much will Section 8 pay for a two-bedroom in ZIP 63628?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $988, which applies unless the housing authority uses Small Area FMRs, that basic range is $889 to $1,087 a month; under the ZIP-level Small Area FMR of $960 it would be $864 to $1,056. 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 63628 in?

ZIP 63628 is in the St. Francois County, MO non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $988.

How much did fair market rent change in ZIP 63628 for FY 2027?

The two-bedroom FMR fell 3.0%, from $990 in FY 2026 to $960 in FY 2027. Since FY 2023 it has risen 11.6%.

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 rentBonne Terre, MO fair market rentMO statewide rentsWhat is SAFMR?Data sources