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Franklin County/Cuba/65453

65453

ZIPSAFMR
Franklin County, MO
Zillow

ZIP Investment Score

109Above average

095130300
BRFMR
Eff. Rent
0 BR$750$750
1 BR$760$760
2 BR$960$960
3 BR$1,310$1,310
4 BR$1,510$1,510
5 BR$1,736Not available
6 BR$1,997Not available
7 BR$2,297Not available
8 BR$2,641Not available

Purchase Price Calculator

Maximum purchase price
$80,739

Cost breakdown

+Likely effective rent$960
HUD FMRUsed$960
Market rentN/A
Est. payment standardN/A
-Principal and interest-$408
Loan amount$64,591
Down payment$16,148
Rate6.50%
Term30 years
-Operating costs-$352
Property taxes-$81
Insurance-$175
Utilities$0
HOA$0
Management-$96
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$15,722(97.4% ROI)
Projected value
$86,947
Return breakdown
Property appreciation+$6,208
Loan principal paid down+$2,314
Rental cash flow+$7,200
5-year hold
+$26,737(165.6% ROI)
Projected value
$91,349
Return breakdown
Property appreciation+$10,610
Loan principal paid down+$4,127
Rental cash flow+$12,000
10-year hold
+$56,447(349.6% ROI)
Projected value
$103,353
Return breakdown
Property appreciation+$22,614
Loan principal paid down+$9,833
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
--
Mortgage rate
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ZIP 65453 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 65453 (Cuba, MO) is $960 a month. That is down 3.0% from $990 in FY 2026. Cuba is in the St. Louis, MO-IL HUD Metro FMR Area, where HUD requires housing authorities to set voucher payment standards by ZIP code using Small Area FMRs. Among 25 ZIP codes in Franklin County, 65453 is tied for the 22nd-highest two-bedroom rent (county range $960–$1,860).

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 65453
BedroomsFY 2027Change90–110% range
Studio$750−1.3%$675–$825
1BR$760−5.0%$684–$836
2BR$960−3.0%$864–$1,056
3BR$1,310+3.1%$1,179–$1,441
4BR$1,510+2.0%$1,359–$1,661

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 65453
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$750$760$960$1,310$1,510
FY 2026$760$800$990$1,270$1,480
FY 2025$840$880$1,090$1,410$1,640
FY 2024$760$800$990$1,280$1,490
FY 2023$630$680$860$1,110$1,310

Two-bedroom rent in nearby Franklin County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 65453
63072$1,320+37.5%
63073$1,410+46.9%
63077$1,140+18.8%
63079$1,090+13.5%
63080$1,090+13.5%
63084$1,060+10.4%
63089$1,410+46.9%
63090$1,050+9.4%
63091$9600.0%
65066$1,000+4.2%
65441$1,030+7.3%
65453Current$960—

Questions about ZIP 65453 rents

How much will Section 8 pay for a two-bedroom in ZIP 65453?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With a two-bedroom FMR of $960, that basic range is $864 to $1,056 a month. 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 65453 in?

ZIP 65453 is in the St. Louis, MO-IL HUD Metro FMR Area. HUD requires Small Area FMRs in this area, so payment standards are set by ZIP code.

How much did fair market rent change in ZIP 65453 for FY 2027?

The two-bedroom FMR fell 3.0%, from $990 in FY 2026 to $960 in FY 2027. Since FY 2023 it has risen 11.6%.

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