65610
ZIPSAFMR
Lawrence County, MO
BRFMR
Eff. Rent
0 BR$760$840
1 BR$770$850
2 BR$960$1,060
3 BR$1,320$1,450
4 BR$1,510$1,660
5 BR$1,736
6 BR$1,997
7 BR$2,297
8 BR$2,641

Purchase Price Calculator

Maximum purchase price
$95,599

Cost breakdown

+Likely effective rent$1,060
HUD FMR$960
Market rent$1,300
Est. payment standard (110%)Used$1,060
Estimated payment standard is $1,060 (110% of FMR).
-Principal and interest-$483
Loan amount$76,479
Down payment$19,120
Rate6.50%
Term30 years
-Operating costs-$377
Property taxes-$96
Insurance-$175
Utilities$0
HOA$0
Management-$106
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$17,291(90.4% ROI)
Projected value
$102,950
Current value$95,599
Return breakdown
Property appreciation+$7,351
Loan principal paid down+$2,740
Rental cash flow+$7,200
5-year hold
+$29,449(154.0% ROI)
Projected value
$108,162
Current value$95,599
Return breakdown
Property appreciation+$12,563
Loan principal paid down+$4,886
Rental cash flow+$12,000
10-year hold
+$62,419(326.5% ROI)
Projected value
$122,375
Current value$95,599
Return breakdown
Property appreciation+$26,776
Loan principal paid down+$11,643
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
0.62ratio
FMR$760
Market$1,220
vs market-$460

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

90% standard$684 / 0.56 ratio110% standard$836 / 0.69 ratio
0.62
1 BR
1 BR
0.68ratio
FMR$770
Market$1,140
vs market-$370

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

90% standard$693 / 0.61 ratio110% standard$847 / 0.74 ratio
0.68
2 BR
2 BR
0.74ratio
FMR$960
Market$1,300
vs market-$340

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

90% standard$864 / 0.66 ratio110% standard$1,056 / 0.81 ratio
0.74
3 BR
3 BR
0.85ratio
FMR$1,320
Market$1,550
vs market-$230

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

90% standard$1,188 / 0.77 ratio110% standard$1,452 / 0.94 ratio
0.85
4 BR
4 BR
0.86ratio
FMR$1,510
Market$1,760
vs market-$250

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

90% standard$1,359 / 0.77 ratio110% standard$1,661 / 0.94 ratio
0.86
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 65610 (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.

65610 fair market rent and Section 8 rent limits

The FY 2026 HUD Small Area Fair Market Rent (SAFMR) page for 65610 shows monthly rent limits by bedroom size for Housing Choice Voucher and Section 8 comparisons. The 2 bedroom fair market rent is $960 and the 4 bedroom fair market rent is $1,510.

Use this page for searches like 65610 FMR, 65610 fair market rent, and 65610 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 65610
Bedroom sizeHUD FMR
Studio$760
1 bedroom$770
2 bedroom$960
3 bedroom$1,320
4 bedroom$1,510