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Nodaway County/Clyde/64432

64432

ZIPSAFMR
Nodaway County, MO
Zillow

ZIP Investment Score

129Above average

095130300
BRFMR
Eff. Rent
0 BR$800$800
1 BR$830$830
2 BR$1,070$1,070
3 BR$1,440$1,440
4 BR$1,800$1,800
5 BR$2,070Not available
6 BR$2,380Not available
7 BR$2,738Not available
8 BR$3,148Not available

Purchase Price Calculator

Maximum purchase price
$97,085

Cost breakdown

+Likely effective rent$1,070
HUD FMRUsed$1,070
Market rentN/A
Est. payment standardN/A
-Principal and interest-$491
Loan amount$77,668
Down payment$19,417
Rate6.50%
Term30 years
-Operating costs-$379
Property taxes-$97
Insurance-$175
Utilities$0
HOA$0
Management-$107
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$17,448(89.9% ROI)
Projected value
$104,550
Return breakdown
Property appreciation+$7,465
Loan principal paid down+$2,783
Rental cash flow+$7,200
5-year hold
+$29,720(153.1% ROI)
Projected value
$109,843
Return breakdown
Property appreciation+$12,758
Loan principal paid down+$4,962
Rental cash flow+$12,000
10-year hold
+$63,016(324.5% ROI)
Projected value
$124,277
Return breakdown
Property appreciation+$27,192
Loan principal paid down+$11,824
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical
FY 2023-2027
FMR
FY2027
Property value
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Tax rate
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Mortgage rate
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ZIP 64432 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 64432 (Clyde, MO) is $1,070 a month. That is up 12.6% from $950 in FY 2026. Clyde is in the Nodaway 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 $991. Among 18 ZIP codes in Nodaway County, 64432 has the 5th-highest two-bedroom rent (county range $960–$1,430). The median county two-bedroom FMR in Missouri is $962, so ZIP 64432 is 11% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 64432
BedroomsFY 2027Change90–110% range
Studio$800+11.1%$720–$880
1BR$830+12.2%$747–$913
2BR$1,070+12.6%$963–$1,177
3BR$1,440+11.6%$1,296–$1,584
4BR$1,800+13.2%$1,620–$1,980

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 64432
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$800$830$1,070$1,440$1,800
FY 2026$720$740$950$1,290$1,590
FY 2025$620$660$830$1,110$1,390
FY 2024area FMR$636$673$844$1,066$1,432
FY 2023area FMR$607$627$798$996$1,331

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

Two-bedroom rent in nearby Nodaway County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 64432
64423$970−9.3%
64427$970−9.3%
64428$1,430+33.6%
64431$1,000−6.5%
64432Current$1,070—
64433$1,030−3.7%
64434$960−10.3%
64445$960−10.3%
64455$970−9.3%
64457$1,030−3.7%
64461$1,190+11.2%
64468$1,000−6.5%

Questions about ZIP 64432 rents

How much will Section 8 pay for a two-bedroom in ZIP 64432?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $991, which applies unless the housing authority uses Small Area FMRs, that basic range is $892 to $1,090 a month; under the ZIP-level Small Area FMR of $1,070 it would be $963 to $1,177. 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 64432 in?

ZIP 64432 is in the Nodaway County, MO non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $991.

How much did fair market rent change in ZIP 64432 for FY 2027?

The two-bedroom FMR rose 12.6%, from $950 in FY 2026 to $1,070 in FY 2027. Since FY 2025 it has risen 28.9%.

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