64165
ZIPSAFMR
Clay County, MO
BRFMR
Eff. Rent
0 BR$1,170$1,170
1 BR$1,270$1,270
2 BR$1,450$1,450
3 BR$1,890$1,890
4 BR$2,240$2,240
5 BR$2,576
6 BR$2,962
7 BR$3,407
8 BR$3,918

Market Alignment

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

Studio
Studio
0.71ratio
FMR$1,170
Market$1,650
vs market-$480

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.71
1 BR
1 BR
0.78ratio
FMR$1,270
Market$1,620
vs market-$350

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.78
2 BR
2 BR
0.85ratio
FMR$1,450
Market$1,710
vs market-$260

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.85
3 BR
3 BR
0.90ratio
FMR$1,890
Market$2,110
vs market-$220

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.90
4 BR
4 BR
0.90ratio
FMR$2,240
Market$2,500
vs market-$260

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.90
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for 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
$153,553
Rent
$1,450
Down payment
$30,711
Loan
$122,842
Mortgage
$776
Expenses
$474
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 64165 (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.