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St. Francois County/Leadwood/63653

63653

ZIPSAFMR
St. Francois County, MO
Zillow

ZIP Investment Score

117Above average

095130300
BRFMR
Eff. Rent
0 BR$800$810
1 BR$810$830
2 BR$1,060$740
3 BR$1,280$910
4 BR$1,390$1,130
5 BR$1,598Not available
6 BR$1,838Not available
7 BR$2,114Not available
8 BR$2,431Not available

Purchase Price Calculator

Maximum purchase price
$48,047

Cost breakdown

+Likely effective rent$740
HUD FMR$1,060
Market rentUsed$740
Est. payment standard (90%)$950
-Principal and interest-$243
Loan amount$38,438
Down payment$9,609
Rate6.50%
Term30 years
-Operating costs-$297
Property taxes-$48
Insurance-$175
Utilities$0
HOA$0
Management-$74
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$12,272(127.7% ROI)
Projected value
$51,742
Return breakdown
Property appreciation+$3,694
Loan principal paid down+$1,377
Rental cash flow+$7,200
5-year hold
+$20,770(216.1% ROI)
Projected value
$54,361
Return breakdown
Property appreciation+$6,314
Loan principal paid down+$2,456
Rental cash flow+$12,000
10-year hold
+$43,309(450.7% ROI)
Projected value
$61,504
Return breakdown
Property appreciation+$13,457
Loan principal paid down+$5,852
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.98
1 BR
0.96
2 BR
1.43
3 BR
1.41
4 BR
1.23
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 63653 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 63653 (Leadwood, MO) is $1,060 a month. That is up 10.4% from $960 in FY 2026. Leadwood 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, 63653 is tied for the 8th-highest two-bedroom rent (county range $960–$1,170). The median county two-bedroom FMR in Missouri is $962, so ZIP 63653 is 10% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 63653
BedroomsFY 2027Change90–110% range
Studio$800+9.6%$720–$880
1BR$810+11.0%$729–$891
2BR$1,060+10.4%$954–$1,166
3BR$1,280+3.2%$1,152–$1,408
4BR$1,390+9.4%$1,251–$1,529

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 63653
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$800$810$1,060$1,280$1,390
FY 2026$730$730$960$1,240$1,270
FY 2025$690$710$930$1,230$1,240
FY 2024area FMR$617$623$819$1,117$1,122
FY 2023area FMR$555$572$753$1,030$1,034

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

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

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 63653
63626$1,070+0.9%
63628$960−9.4%
63630$990−6.6%
63637$960−9.4%
63640$1,0600.0%
63645$1,0600.0%
63648$1,110+4.7%
63650$1,170+10.4%
63651$990−6.6%
63653Current$1,060—
63654$1,140+7.5%
63656$1,110+4.7%

Questions about ZIP 63653 rents

How much will Section 8 pay for a two-bedroom in ZIP 63653?

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 $1,060 it would be $954 to $1,166. 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 63653 in?

ZIP 63653 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 63653 for FY 2027?

The two-bedroom FMR rose 10.4%, from $960 in FY 2026 to $1,060 in FY 2027. Since FY 2025 it has risen 14.0%.

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