65111
ZIPFMR
Cole County, MO
BRFMR
Eff. Rent
0 BR$689$760
1 BR$694$760
2 BR$910$1,000
3 BR$1,266$1,390
4 BR$1,379$1,520
5 BR$1,586
6 BR$1,824
7 BR$2,097
8 BR$2,412

Purchase Price Calculator

Maximum purchase price
$86,683

Cost breakdown

+Likely effective rent$1,000
HUD FMR$910
Market rent$1,190
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

Upgrade to access AI-powered research tools

Upgrade

Rolodex

Upgrade to access AI-powered research tools

Upgrade

Market Alignment

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

Studio
Studio
0.66ratio
FMR$689
Market$1,040
vs market-$351

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

90% standard$620 / 0.60 ratio110% standard$758 / 0.73 ratio
0.66
1 BR
1 BR
0.82ratio
FMR$694
Market$850
vs market-$156

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

90% standard$625 / 0.73 ratio110% standard$763 / 0.90 ratio
0.82
2 BR
2 BR
0.76ratio
FMR$910
Market$1,190
vs market-$280

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

90% standard$819 / 0.69 ratio110% standard$1,001 / 0.84 ratio
0.76
3 BR
3 BR
0.83ratio
FMR$1,266
Market$1,520
vs market-$254

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

90% standard$1,139 / 0.75 ratio110% standard$1,393 / 0.92 ratio
0.83
4 BR
4 BR
0.85ratio
FMR$1,379
Market$1,620
vs market-$241

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

90% standard$1,241 / 0.77 ratio110% standard$1,517 / 0.94 ratio
0.85
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 65111 (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 FMR 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.

65111 fair market rent and Section 8 rent limits

The FY 2026 HUD Fair Market Rent (FMR) page for 65111 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 $1,379.

Use this page for searches like 65111 FMR, 65111 fair market rent, and 65111 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 65111
Bedroom sizeHUD FMR
Studio$689
1 bedroom$694
2 bedroom$910
3 bedroom$1,266
4 bedroom$1,379