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St. Clair County/Lowry City/64763

64763

ZIPSAFMR
St. Clair County, MO
Zillow

ZIP Investment Score

89Below average

095130300
BRFMR
Eff. Rent
0 BR$760$760
1 BR$790$790
2 BR$1,030$1,030
3 BR$1,230$1,230
4 BR$1,550$1,550
5 BR$1,782Not available
6 BR$2,050Not available
7 BR$2,357Not available
8 BR$2,711Not available

Purchase Price Calculator

Maximum purchase price
$91,141

Cost breakdown

+Likely effective rent$1,030
HUD FMRUsed$1,030
Market rentN/A
Est. payment standardN/A
-Principal and interest-$461
Loan amount$72,913
Down payment$18,228
Rate6.50%
Term30 years
-Operating costs-$369
Property taxes-$91
Insurance-$175
Utilities$0
HOA$0
Management-$103
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,820(92.3% ROI)
Projected value
$98,149
Return breakdown
Property appreciation+$7,008
Loan principal paid down+$2,612
Rental cash flow+$7,200
5-year hold
+$28,635(157.1% ROI)
Projected value
$103,118
Return breakdown
Property appreciation+$11,977
Loan principal paid down+$4,658
Rental cash flow+$12,000
10-year hold
+$60,627(332.6% ROI)
Projected value
$116,668
Return breakdown
Property appreciation+$25,527
Loan principal paid down+$11,100
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 64763 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 64763 (Lowry City, MO) is $1,030 a month. That is up 8.4% from $950 in FY 2026. Lowry City 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, 64763 has the 4th-highest two-bedroom rent (county range $960–$1,070). The median county two-bedroom FMR in Missouri is $962, so ZIP 64763 is 7% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 64763
BedroomsFY 2027Change90–110% range
Studio$760+16.9%$684–$836
1BR$790+9.7%$711–$869
2BR$1,030+8.4%$927–$1,133
3BR$1,230+7.9%$1,107–$1,353
4BR$1,550+9.9%$1,395–$1,705

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 64763
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$760$790$1,030$1,230$1,550
FY 2026$650$720$950$1,140$1,410
FY 2025$610$680$890$1,070$1,340
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. 64763
64724$960−6.8%
64738$1,000−2.9%
64740$990−3.9%
64744$1,040+1.0%
64763Current$1,030—
64770$980−4.9%
64776$960−6.8%
64780$1,070+3.9%
64781$980−4.9%
64783$1,050+1.9%
65674$960−6.8%
65735$960−6.8%

Questions about ZIP 64763 rents

How much will Section 8 pay for a two-bedroom in ZIP 64763?

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 $1,030 it would be $927 to $1,133. 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 64763 in?

ZIP 64763 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 64763 for FY 2027?

The two-bedroom FMR rose 8.4%, from $950 in FY 2026 to $1,030 in FY 2027. Since FY 2025 it has risen 15.7%.

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