65104
ZIPSAFMR
Cole County, MO
BRFMR
Eff. Rent
0 BR$700$700
1 BR$700$700
2 BR$920$920
3 BR$1,280$1,280
4 BR$1,390$1,390
5 BR$1,598
6 BR$1,838
7 BR$2,114
8 BR$2,431

Market Alignment

How HUD fair market rents align with the state of the rental market.

Studio
Studio
0.67ratio
FMR$700
Market$1,040
vs market-$340

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.67
1 BR
1 BR
0.82ratio
FMR$700
Market$850
vs market-$150

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.82
2 BR
2 BR
0.77ratio
FMR$920
Market$1,190
vs market-$270

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.77
3 BR
3 BR
0.84ratio
FMR$1,280
Market$1,520
vs market-$240

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.84
4 BR
4 BR
0.86ratio
FMR$1,390
Market$1,620
vs market-$230

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.86
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for all bedroom sizes.

Bedroom curve

Historical
See FMR progression in recent years

Data indexed

FMR
FY2026
Market rent
last ~365 days

Purchase Price Calculator

Maximum purchase price
$74,795
Rent
$920
Down payment
$14,959
Loan
$59,836
Mortgage
$378
Expenses
$342
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 65104 (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.