Skip to main content
Loading page
St. Clair County/Roscoe/64781

64781

ZIPSAFMR
St. Clair County, MO
Zillow

ZIP Investment Score

120Above average

095130300
BRFMR
Eff. Rent
0 BR$720$720
1 BR$750$750
2 BR$980$980
3 BR$1,220$1,220
4 BR$1,470$1,470
5 BR$1,690Not available
6 BR$1,944Not available
7 BR$2,236Not available
8 BR$2,571Not available

Purchase Price Calculator

Maximum purchase price
$83,711

Cost breakdown

+Likely effective rent$980
HUD FMRUsed$980
Market rentN/A
Est. payment standardN/A
-Principal and interest-$423
Loan amount$66,969
Down payment$16,742
Rate6.50%
Term30 years
-Operating costs-$357
Property taxes-$84
Insurance-$175
Utilities$0
HOA$0
Management-$98
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,036(95.8% ROI)
Projected value
$90,148
Return breakdown
Property appreciation+$6,437
Loan principal paid down+$2,399
Rental cash flow+$7,200
5-year hold
+$27,279(162.9% ROI)
Projected value
$94,711
Return breakdown
Property appreciation+$11,000
Loan principal paid down+$4,279
Rental cash flow+$12,000
10-year hold
+$57,641(344.3% ROI)
Projected value
$107,157
Return breakdown
Property appreciation+$23,446
Loan principal paid down+$10,195
Rental cash flow+$24,000

Public Housing Authority

Loading Public Housing Authority

Rolodex

Loading Rolodex

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
--
Tax rate
--
Mortgage rate
--

ZIP 64781 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 64781 (Roscoe, MO) is $980 a month. That is up 8.9% from $900 in FY 2026. Roscoe 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, 64781 is tied for the 7th-highest two-bedroom rent (county range $960–$1,070). The median county two-bedroom FMR in Missouri is $962, so ZIP 64781 is 2% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 64781
BedroomsFY 2027Change90–110% range
Studio$720+12.5%$648–$792
1BR$750+8.7%$675–$825
2BR$980+8.9%$882–$1,078
3BR$1,220+8.9%$1,098–$1,342
4BR$1,470+9.7%$1,323–$1,617

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 64781
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$720$750$980$1,220$1,470
FY 2026$640$690$900$1,120$1,340
FY 2025$590$640$830$1,040$1,260
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. 64781
64724$960−2.0%
64738$1,000+2.0%
64740$990+1.0%
64744$1,040+6.1%
64763$1,030+5.1%
64770$9800.0%
64776$960−2.0%
64780$1,070+9.2%
64781Current$980—
64783$1,050+7.1%
65674$960−2.0%
65735$960−2.0%

Questions about ZIP 64781 rents

How much will Section 8 pay for a two-bedroom in ZIP 64781?

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 $980 it would be $882 to $1,078. 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 64781 in?

ZIP 64781 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 64781 for FY 2027?

The two-bedroom FMR rose 8.9%, from $900 in FY 2026 to $980 in FY 2027. Since FY 2025 it has risen 18.1%.

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