HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027
Fair Market Rent in St. Clair County, Missouri (FY 2027)
A two-bedroom in St. Clair County carries a FY 2027 Fair Market Rent of $962 a month, effective October 1, 2026 through September 30, 2027. Everything Section 8 pays in St. Clair keys off that figure.
Two-bedroom FMR
$962
+8.3% from FY 2026
Payment standard
$866–$1,058
90% to 110% of the FMR, two-bedroom
Income to afford
$38,480
a year, with rent at 30% of income
Rank in Missouri
106th of 116
by two-bedroom FMR, highest first
FY 2027 Fair Market Rents
Payment standard is the 90% to 110% band a housing authority can set. Income needed puts rent at 30% of gross income, and the hourly wage assumes a 40-hour week.
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2026 |
|---|---|---|---|---|---|
| Studio | $709 | $638–$780 | $28,360 | $13.63/hr | +15.8% |
| 1 bedroom | $735 | $662–$809 | $29,400 | $14.13/hr | +8.6% |
| 2 bedroom | $962 | $866–$1,058 | $38,480 | $18.50/hr | +8.3% |
| 3 bedroom | $1,146 | $1,031–$1,261 | $45,840 | $22.04/hr | +7.6% |
| 4 bedroom | $1,443 | $1,299–$1,587 | $57,720 | $27.75/hr | +9.3% |
Five to eight bedrooms (PropMetrics estimates)
HUD stops at four bedrooms. These add 15% of the four-bedroom rent per extra bedroom. It's our estimate, not a HUD number.
| Bedrooms | Estimated FMR | Payment standard |
|---|---|---|
| 5 bedroom Estimate | $1,659 | $1,493–$1,825 |
| 6 bedroom Estimate | $1,876 | $1,688–$2,064 |
| 7 bedroom Estimate | $2,092 | $1,883–$2,301 |
| 8 bedroom Estimate | $2,309 | $2,078–$2,540 |
Source: HUD Office of Policy Development and Research, FY 2027 Fair Market Rents. Rents include utilities. huduser.gov
Market check
HUD's number is one input. What does a two-bedroom in St. Clair actually rent for?
Search any address in St. Clair for a rent estimate built from nearby comps, with the HUD figure right next to it.
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What a voucher pays here
The voucher doesn't pay the FMR itself. It pays the payment standard. Housing authorities set it anywhere from 90% to 110% of FMR, which puts a two-bedroom standard in St. Clair somewhere between $866 and $1,058. The tenant pays roughly 30% of their income, the voucher covers the rest up to the standard, and the PHA won't approve a rent above what comparable unassisted units get.
$962 a month is affordable, by HUD's 30% rule, on an income of roughly $38,480 a year. Put another way, $19 an hour full time.
Worked example for a two-bedroom renting at the payment standard. The tenant pays 30% of monthly income and the voucher covers the rest.
| Monthly household income | Tenant pays (30%) | Voucher pays at 90%$866 | Voucher pays at 100%$962 | Voucher pays at 110%$1,058 |
|---|---|---|---|---|
| $2,500 | $750 | $116 | $212 | $308 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 8% from FY 2026 ($888) to FY 2027 ($962). Since FY 2020 it's up 52% in total, about 6.1% a year. The Missouri median moved up 8% over the same year.
| Fiscal year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $413 | $501 | $634 | $908 | $1,071 | — |
| FY 2021 | $437 | $504 | $662 | $915 | $1,071 | +4.4% |
| FY 2022 | $455 | $521 | $685 | $899 | $1,054 | +3.5% |
| FY 2023 | $499 | $567 | $746 | $908 | $1,075 | +8.9% |
| FY 2024 | $540 | $607 | $797 | $964 | $1,217 | +6.8% |
| FY 2025 | $565 | $628 | $824 | $993 | $1,242 | +3.4% |
| FY 2026 | $612 | $677 | $888 | $1,065 | $1,320 | +7.8% |
| FY 2027In effect | $709 | $735 | $962 | $1,146 | $1,443 | +8.3% |
About this rate
Fair Market Rent is HUD's estimate of what a modest, decent unit rents for in an area, utilities included. It's set once a year and runs October to September. For FY 2027 that's October 1, 2026 through September 30, 2027. In St. Clair, that runs from $709 for a studio up to $1,443 for four bedrooms, all five rates in the table above.
Because St. Clair sits outside any HUD metro area, its rate is a county-wide figure built from local rents. One number covers every address in the county, Appleton City included.
Among Missouri's 116 counties, St. Clair ranks 106th for two-bedroom FMR. That's within a couple percent of the state median of $962 and about 10% below the national median county at $1,063. About 9,587 people live here, 88th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $960 in 64724 (Appleton City) and $1,030 in 64763 (Lowry City), with the 5 ZIP codes in between. Housing authorities in HUD-designated metros use those ZIP rates instead of the county rate. Everywhere else the ZIP numbers show where rents actually sit, and the county rate stays the official standard.
Nearby counties
Two-bedroom FMR, with how each compares to St. Clair.
Cedar County
20 mi · 14,615 people
$962
same rate
Henry County
26 mi · 22,328 people
$962
same rate
Hickory County
26 mi · 8,585 people
$962
same rate
Vernon County
34 mi · 19,687 people
$994
+3%
Benton County
35 mi · 20,151 people
$1,003
+4%
Polk County
36 mi · 32,444 people
$962
same rate
Bates County
38 mi · 16,186 people
$1,098
+14%
Dade County
42 mi · 7,641 people
$962
same rate
Questions people ask
$962 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $709 for a studio, $735 for one bedroom, $1,146 for three and $1,443 for four.
Tools for this county
Fair Market Rent lookup
Any ZIP code's Small Area FMR by bedroom count
Section 8 rent calculator
Payment standard and tenant share for a specific rent
What is Fair Market Rent?
How HUD calculates FMR and what it means for landlords
Rent affordability calculator
The income a household needs for a given rent
What does a rental in St. Clair actually go for?
HUD's number is one input. Search any address in St. Clair for a rent estimate built from nearby comps. Free to start, no card.
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