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SAFMR by ZIP/Missouri/ZIP 64503

FY2027 SAFMR · Oct 1, 2026 – Sep 30, 2027

ZIP 64503 Saint Joseph, MissouriSection 8 / HUD Payment Standards

HUD Small Area Fair Market Rent and Section 8 payment-standard information for ZIP 64503. These figures are the Housing Choice Voucher benchmark, not the PHA’s adopted payment standard. Local authorities usually set that standard between 90% and 110% of the table below. Numbers are gross rents (contract rent + essential utilities). FMR area: St. Joseph, MO-KS MSA. Housing stock for this ZIP: ZIP 64503 — Saint Joseph, MO housing and small multifamily market.

Efficiency
$890
1BR SAFMR
$900
2BR SAFMR
$1,150
3BR SAFMR
$1,470
4BR SAFMR
$1,700
2BR 90% floor
$1,035
2BR 110% ceiling
$1,265
ACS median rent
$926
SAFMR / ACS rent
1.242×
Renter share
31.0%
Vacancy
13.3%
2–49 unit stock
625

ZIP brief

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HUD schedule, ACS stock, and the 90–110% band for ZIP 64503 · MO — sent to you.

ZIP 64503 · MO

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ACS rent vs 2BR SAFMR

ZIP 64503 — Saint Joseph, MO housing and small multifamily market →
ACS median rent$926
2BR SAFMR$1,150
90% floor$1,035
110% ceiling$1,265

ACS median gross rent is all bedrooms. SAFMR is bedroom-specific.

FY2027 SAFMR schedule

UnitSAFMR90% floor110% ceiling
Efficiency$890$801$979
1 Bedroom$900$810$990
2 Bedroom$1,150$1,035$1,265
3 Bedroom$1,470$1,323$1,617
4 Bedroom$1,700$1,530$1,870

Source: HUD Small Area Fair Market Rents FY2027.HUD dataset. 90/110% is the statutory band a PHA may adopt — it is not the adopted local payment standard.

2BR SAFMR here is $1,150 versus a $1,070 median across 12 other published ZIPs in this metro set (at or above the local SAFMR midpoint).

ZIP 64503 calculators · FY2027

Runs in your browser. Payment standard is a what-if inside the statutory 90–110% band — not the PHA’s adopted schedule.

SAFMR
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Assumed PS
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Max contract rent
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RCS 150% line
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Enter asking rent to place it in the 90–110% band.

HAP sketch

Sketch only: 30% of gross monthly income, no deductions, no min-rent, no 40% cap test. Confirm with the PHA.

Investor

Use the 2BR/3BR SAFMR as a voucher-underwriting check on 2–4 and small 5–50 unit product, not as market rent. Voucher Spread™ (SAFMR vs FMLS small multifamily) is published on qualifying Georgia ZIPs only.

Landlord / PHA

Payment standard ≠ asking rent. Confirm the adopted 90–110% schedule and the utility allowance. Rent reasonableness still applies even when asking rent sits inside the band.

Voucher household

The figures are gross-rent benchmarks. A unit at the SAFMR with tenant-paid utilities will clear less contract rent than the headline number. Ask the PHA for the current utility schedule before you tour.

64503 is HUD research for Missouri. Brokerage is Georgia; out-of-state work is referral.

ZIP 64503 — Saint Joseph, MO housing and small multifamily market·Missouri SAFMR directory·SAFMR by state·Investment analyzer

Nearby ZIPs in this metro

ZIPPlace1BR2BR3BR
64401St. Joseph, MO-KS$830$1,060$1,35064421St. Joseph, MO-KS$1,210$1,560$1,99064422St. Joseph, MO-KS$800$1,020$1,31064430St. Joseph, MO-KS$830$1,060$1,35064436St. Joseph, MO-KS$1,280$1,650$2,11064439St. Joseph, MO-KS$1,060$1,210$1,58064440St. Joseph, MO-KS$810$1,030$1,32064443St. Joseph, MO-KS$840$1,080$1,38064444St. Joseph, MO-KS$940$1,070$1,39064448St. Joseph, MO-KS$840$1,070$1,37064449St. Joseph, MO-KS$750$970$1,23064454St. Joseph, MO-KS$950$1,100$1,430

FAQ

What is the Section 8 rent in ZIP 64503?

On Jeff Crowe CRE, HUD’s FY2027 Small Area Fair Market Rents for 64503 (St. Joseph, MO-KS, MO) — the Section 8 / Housing Choice Voucher benchmark — are $890 efficiency, $900 1-bedroom, $1,150 2-bedroom, $1,470 3-bedroom, and $1,700 4-bedroom. These are gross rents (contract rent + essential utilities), effective October 1, 2026 through September 30, 2027. The PHA’s payment standard is usually 90–110% of SAFMR, not the SAFMR itself.

How much will Section 8 pay for a 2-bedroom in 64503?

Jeff Crowe CRE lists the FY2027 2-bedroom SAFMR for 64503 at $1,150. A typical payment-standard band is $1,035 to $1,265 (90–110% of SAFMR). Actual HAP depends on the adopted PHA schedule, the utility allowance, household income, and rent reasonableness. Confirm with the administering PHA.

What is the Section 8 payment standard in 64503?

HUD does not publish each PHA’s adopted payment standard. Jeff Crowe CRE shows the statutory 90–110% band around the FY2027 SAFMR for ZIP 64503: 1BR $810–$990, 2BR $1,035–$1,265, 3BR $1,323–$1,617. Ask the local housing authority for the current schedule and utility allowance.

Is the SAFMR the same as the Section 8 payment standard?

No. On Jeff Crowe CRE, SAFMR is HUD’s ZIP-level Fair Market Rent. The payment standard is what the PHA adopts, usually between 90% and 110% of SAFMR. Contract rent can differ again after the utility allowance. Asking rent can sit above the payment standard; the household pays the gap if the PHA allows it.

What is the HUD Fair Market Rent for 64503?

Jeff Crowe CRE publishes the HUD Fair Market Rent used for Housing Choice Vouchers in ZIP 64503 as the FY2027 Small Area FMR: $890 efficiency, $900 1BR, $1,150 2BR, $1,470 3BR, $1,700 4BR.

Why is 64503 a Small Area FMR instead of one metro-wide number?

64503 is in the St. Joseph, MO-KS MSA FMR area. Jeff Crowe CRE maps HUD SAFMR at the ZIP so voucher holders can reach neighborhoods whose rents sit above or below the metro average.

How should a small multifamily investor use the 64503 SAFMR?

Jeff Crowe CRE treats SAFMR as a bid floor/ceiling check for voucher-heavy rentals in St. Joseph, MO-KS, MO — not as market rent. Confirm the administering PHA’s adopted payment standard. Voucher Spread™ (SAFMR vs FMLS small multifamily) is published on Jeff Crowe CRE for Georgia ZIPs that clear the sample threshold.

Where is the housing-stock profile for ZIP 64503?

Jeff Crowe CRE publishes Census housing stock, renter share, small-multifamily composition, LIHTC inventory, and 2018–2023 population change for ZIP 64503 on the ZIP 64503 — Saint Joseph, MO housing and small multifamily market. This page is the HUD SAFMR / Section 8 schedule only.