64157
ZIPSAFMR
Clay County, MO
BRFMR
Eff. Rent
0 BR$1,650$980
1 BR$1,800$1,090
2 BR$2,040$1,310
3 BR$2,660$2,040
4 BR$3,160$2,470
5 BR$3,634
6 BR$4,179
7 BR$4,806
8 BR$5,527

Market Alignment

How HUD fair market rents align with the state of the rental market.

Studio
Studio
1.68ratio
FMR$1,650
Market$980
vs market+$670

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.68
1 BR
1 BR
1.65ratio
FMR$1,800
Market$1,090
vs market+$710

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.65
2 BR
2 BR
1.56ratio
FMR$2,040
Market$1,310
vs market+$730

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.56
3 BR
3 BR
1.30ratio
FMR$2,660
Market$2,040
vs market+$620

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.30
4 BR
4 BR
1.28ratio
FMR$3,160
Market$2,470
vs market+$690

FMR exceeds market. Payment is likely to be capped due to rent reasonableness requirements in this area.

1.28
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents across all bedroom sizes.

Bedroom curve

Historical
See FMR progression in recent years

Data indexed

FMR
FY2026
Market rent
last ~365 days

Purchase Price Calculator

Maximum purchase price
$241,227
Rent
$2,040
Down payment
$48,245
Loan
$192,981
Mortgage
$1,220
Expenses
$620
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 64157 (MO) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.