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St. Clair County/El Dorado Springs/64744

64744

ZIPSAFMR
St. Clair County, MO
Zillow

ZIP Investment Score

55Below average

095130300
BRFMR
Eff. Rent
0 BR$760$710
1 BR$790$720
2 BR$1,040$830
3 BR$1,400$890
4 BR$1,560$940
5 BR$1,794Not available
6 BR$2,063Not available
7 BR$2,373Not available
8 BR$2,728Not available

Purchase Price Calculator

Maximum purchase price
$61,421

Cost breakdown

+Likely effective rent$830
HUD FMR$1,040
Market rentUsed$830
Est. payment standard (90%)$940
-Principal and interest-$311
Loan amount$49,137
Down payment$12,284
Rate6.50%
Term30 years
-Operating costs-$319
Property taxes-$61
Insurance-$175
Utilities$0
HOA$0
Management-$83
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$13,683(111.4% ROI)
Projected value
$66,144
Return breakdown
Property appreciation+$4,723
Loan principal paid down+$1,760
Rental cash flow+$7,200
5-year hold
+$23,211(188.9% ROI)
Projected value
$69,492
Return breakdown
Property appreciation+$8,071
Loan principal paid down+$3,139
Rental cash flow+$12,000
10-year hold
+$48,684(396.3% ROI)
Projected value
$78,624
Return breakdown
Property appreciation+$17,203
Loan principal paid down+$7,481
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
1.07
1 BR
1.10
2 BR
1.25
3 BR
1.57
4 BR
1.66
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 64744 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 64744 (El Dorado Springs, MO) is $1,040 a month. That is up 10.6% from $940 in FY 2026. El Dorado Springs is in the St. Clair 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 $962. Among 14 ZIP codes in St. Clair County, 64744 has the 3rd-highest two-bedroom rent (county range $960–$1,070). The median county two-bedroom FMR in Missouri is $962, so ZIP 64744 is 8% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 64744
BedroomsFY 2027Change90–110% range
Studio$760+8.6%$684–$836
1BR$790+9.7%$711–$869
2BR$1,040+10.6%$936–$1,144
3BR$1,400+11.1%$1,260–$1,540
4BR$1,560+11.4%$1,404–$1,716

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 64744
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$760$790$1,040$1,400$1,560
FY 2026$700$720$940$1,260$1,400
FY 2025$640$660$870$1,160$1,310
FY 2024area FMR$540$607$797$964$1,217
FY 2023area FMR$499$567$746$908$1,075

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

Two-bedroom rent in nearby St. Clair County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 64744
64724$960−7.7%
64738$1,000−3.8%
64740$990−4.8%
64744Current$1,040—
64763$1,030−1.0%
64770$980−5.8%
64776$960−7.7%
64780$1,070+2.9%
64781$980−5.8%
64783$1,050+1.0%
65674$960−7.7%
65735$960−7.7%

Questions about ZIP 64744 rents

How much will Section 8 pay for a two-bedroom in ZIP 64744?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the county-wide two-bedroom FMR of $962, which applies unless the housing authority uses Small Area FMRs, that basic range is $866 to $1,058 a month; under the ZIP-level Small Area FMR of $1,040 it would be $936 to $1,144. 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 64744 in?

ZIP 64744 is in the St. Clair County, MO non-metropolitan FMR area. Small Area FMRs are optional here; the county-wide two-bedroom FMR is $962.

How much did fair market rent change in ZIP 64744 for FY 2027?

The two-bedroom FMR rose 10.6%, from $940 in FY 2026 to $1,040 in FY 2027. Since FY 2025 it has risen 19.5%.

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 rentEl Dorado Springs, MO fair market rentMO statewide rentsWhat is SAFMR?Data sources