Maries County/Saint James/65559

65559

ZIPSAFMR

Maries County, MO

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ZIP Investment Score

78Below average

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$780	$800	9.1%
1 BR	$820	$780	4.9%
2 BR	$1,000	$960	7.9%
3 BR	$1,340	$1,080	7.8%
4 BR	$1,430	$1,210	5.5%
5 BR	$1,644	Not available	5.5%
6 BR	$1,891	Not available	5.5%
7 BR	$2,175	Not available	5.5%
8 BR	$2,501	Not available	5.5%

Purchase Price Calculator

Maximum purchase price

$80,739

Cost breakdown

+Likely effective rent$960

HUD FMR$1,000

Market rentUsed$960

Est. payment standard (97%)$970

-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

BedroomsCash-flow target

Down payment methodDown payment %

HOA / mo

Utilities methodUtilities amount

Management methodManagement % of rent

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

Rolodex

Market Alignment

Studio

0.96ratio

FMR$780

Market$810

vs market-$30

FMR is near market; voucher and private rents are aligned.

0.96

1 BR

1.05ratio

FMR$820

Market$780

vs market+$40

FMR is near market; voucher and private rents are aligned.

1.05

2 BR

1.04ratio

FMR$1,000

Market$960

vs market+$40

FMR is near market; voucher and private rents are aligned.

1.04

3 BR

1.24ratio

FMR$1,340

Market$1,080

vs market+$260

FMR is above market; underwrite to market rent.

1.24

4 BR

1.18ratio

FMR$1,430

Market$1,210

vs market+$220

FMR is above market; underwrite to market rent.

1.18

0.700.800.901.001.101.201.30aligned range

Historical

FY 2023-2027

FMR: FY2027
Market rent: last ~365 days
Property value: --
Tax rate: --
Mortgage rate: --

ZIP 65559 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 65559 (Saint James, MO) is $1,000 a month. That is up 5.3% from $950 in FY 2026. Saint James is in the Maries 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 10 ZIP codes in Maries County, 65559 is tied for the 6th-highest two-bedroom rent (county range $960–$1,080). The median county two-bedroom FMR in Missouri is $962, so ZIP 65559 is 4% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 65559
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$740	$780	+5.4%	$702–$858
1BR	$760	$820	+7.9%	$738–$902
2BR	$950	$1,000	+5.3%	$900–$1,100
3BR	$1,250	$1,340	+7.2%	$1,206–$1,474
4BR	$1,270	$1,430	+12.6%	$1,287–$1,573

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 65559
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$780	$820	$1,000	$1,340	$1,430
FY 2026	$740	$760	$950	$1,250	$1,270
FY 2025	$660	$680	$870	$1,150	$1,170
FY 2024area FMR	$601	$710	$797	$1,071	$1,217
FY 2023area FMR	$549	$660	$746	$970	$1,157

Marked years use a different HUD benchmark than FY 2027, so they are not a like-for-like change.

Two-bedroom rent in nearby Maries County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 65559
65001	$1,010	+1.0%
65013	$960	−4.0%
65014	$960	−4.0%
65058	$960	−4.0%
65401	$1,000	0.0%
65443	$1,060	+6.0%
65459	$1,060	+6.0%
65559Current	$1,000	—
65580	$1,010	+1.0%
65582	$1,080	+8.0%

Questions about ZIP 65559 rents

How much will Section 8 pay for a two-bedroom in ZIP 65559?

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 $1,000 it would be $900 to $1,100. 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 65559 in?

ZIP 65559 is in the Maries 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 65559 for FY 2027?

The two-bedroom FMR rose 5.3%, from $950 in FY 2026 to $1,000 in FY 2027. Since FY 2025 it has risen 14.9%.

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 rent Saint James, MO fair market rent MO statewide rents What is SAFMR?Data sources