64162
ZIPFMR
Clay County, MO
BRFMR
Eff. Rent
0 BR$1,095$1,010
1 BR$1,197$1,130
2 BR$1,358$1,190
3 BR$1,769$1,620
4 BR$2,103$1,800
5 BR$2,418
6 BR$2,781
7 BR$3,198
8 BR$3,678

Market Alignment

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

Studio
Studio
1.08ratio
FMR$1,095
Market$1,010
vs market+$85

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

1.08
1 BR
1 BR
1.06ratio
FMR$1,197
Market$1,130
vs market+$67

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

1.06
2 BR
2 BR
1.14ratio
FMR$1,358
Market$1,190
vs market+$168

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

1.14
3 BR
3 BR
1.09ratio
FMR$1,769
Market$1,620
vs market+$149

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

1.09
4 BR
4 BR
1.17ratio
FMR$2,103
Market$1,800
vs market+$303

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

1.17
0.700.800.901.001.101.201.30aligned range

HUD benchmarks exceed market rents for larger unit 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
$139,882
Rent
$1,358
Down payment
$27,976
Loan
$111,905
Mortgage
$707
Expenses
$451
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 64162 (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 FMR 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.