64188
ZIPSAFMR
Clay County, MO
BRFMR
Eff. Rent
0 BR$1,100$1,100
1 BR$1,200$1,170
2 BR$1,360$1,230
3 BR$1,770$1,770
4 BR$2,110$2,110
5 BR$2,427
6 BR$2,790
7 BR$3,209
8 BR$3,690

Market Alignment

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

Studio
Studio
0.88ratio
FMR$1,100
Market$1,250
vs market-$150

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

0.88
1 BR
1 BR
1.03ratio
FMR$1,200
Market$1,170
vs market+$30

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

1.03
2 BR
2 BR
1.11ratio
FMR$1,360
Market$1,230
vs market+$130

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

1.11
3 BR
3 BR
0.93ratio
FMR$1,770
Market$1,900
vs market-$130

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

0.93
4 BR
4 BR
0.96ratio
FMR$2,110
Market$2,200
vs market-$90

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

0.96
0.700.800.901.001.101.201.30aligned range

Voucher alignment varies significantly by bedroom size in this area.

Bedroom curve

Historical
See FMR progression in recent years

Data indexed

FMR
FY2026
Market rent
last ~365 days

Purchase Price Calculator

Maximum purchase price
$140,179
Rent
$1,360
Down payment
$28,036
Loan
$112,143
Mortgage
$709
Expenses
$451
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 64188 (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.