65039
ZIPSAFMR
Callaway County, MO
BRFMR
Eff. Rent
0 BR$690$760
1 BR$780$860
2 BR$910$1,000
3 BR$1,230$1,350
4 BR$1,450$1,600
5 BR$1,667
6 BR$1,918
7 BR$2,205
8 BR$2,536

Purchase Price Calculator

Maximum purchase price
$86,683

Cost breakdown

+Likely effective rent$1,000
HUD FMR$910
Market rent$1,930
Est. payment standard (110%)Used$1,000
Estimated payment standard is $1,000 (110% of FMR).
-Principal and interest-$438
Loan amount$69,346
Down payment$17,337
Rate6.50%
Term30 years
-Operating costs-$362
Property taxes-$87
Insurance-$175
Utilities$0
HOA$0
Management-$100
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$16,350(94.3% ROI)
Projected value
$93,348
Current value$86,683
Return breakdown
Property appreciation+$6,665
Loan principal paid down+$2,485
Rental cash flow+$7,200
5-year hold
+$27,821(160.5% ROI)
Projected value
$98,074
Current value$86,683
Return breakdown
Property appreciation+$11,391
Loan principal paid down+$4,431
Rental cash flow+$12,000
10-year hold
+$58,836(339.4% ROI)
Projected value
$110,962
Current value$86,683
Return breakdown
Property appreciation+$24,279
Loan principal paid down+$10,557
Rental cash flow+$24,000

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Market Alignment

FMR / market rent by bedroom; grey wings show the 90-110% payment-standard spread.

Studio
Studio
0.37ratio
FMR$690
Market$1,890
vs market-$1,200

FMR is below market; voucher rent may lag private rents.

0.37
1 BR
1 BR
0.41ratio
FMR$780
Market$1,890
vs market-$1,110

FMR is below market; voucher rent may lag private rents.

0.41
2 BR
2 BR
0.47ratio
FMR$910
Market$1,930
vs market-$1,020

FMR is below market; voucher rent may lag private rents.

0.47
3 BR
3 BR
0.61ratio
FMR$1,230
Market$2,020
vs market-$790

FMR is below market; voucher rent may lag private rents.

90% standard$1,107 / 0.55 ratio110% standard$1,353 / 0.67 ratio
0.61
4 BR
4 BR
0.69ratio
FMR$1,450
Market$2,100
vs market-$650

FMR is below market; voucher rent may lag private rents.

90% standard$1,305 / 0.62 ratio110% standard$1,595 / 0.76 ratio
0.69
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom sizes.

Historical
FY 2022-2026

Data freshness

FMR
FY2026
Market rent
last ~365 days
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 65039 (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.

65039 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 65039 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $910 and the 4 bedroom fair market rent is $1,450.

Use this page for searches like 65039 FMR, 65039 fair market rent, and 65039 Section 8 payment standards. Local housing authorities can set payment standards above or below published HUD FMR, so confirm program rules before underwriting a property.

FY 2026 Fair Market Rent by bedroom size for 65039
Bedroom sizeHUD FMR
Studio$690
1 bedroom$780
2 bedroom$910
3 bedroom$1,230
4 bedroom$1,450