HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027
Fair Market Rent in St. Louis city, Missouri (FY 2027)
$1,349 a month. That's HUD's FY 2027 Fair Market Rent for a two-bedroom in St. Louis city, and it's the baseline every voucher in St. Louis is measured against.
Two-bedroom FMR
$1,349
+10.8% from FY 2026
Payment standard
$1,214–$1,484
90% to 110% of the FMR, two-bedroom
Income to afford
$53,960
a year, with rent at 30% of income
Rank in Missouri
16th 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 | $1,064 | $958–$1,170 | $42,560 | $20.46/hr | +11.4% |
| 1 bedroom | $1,104 | $994–$1,214 | $44,160 | $21.23/hr | +11.0% |
| 2 bedroom | $1,349 | $1,214–$1,484 | $53,960 | $25.94/hr | +10.8% |
| 3 bedroom | $1,731 | $1,558–$1,904 | $69,240 | $33.29/hr | +10.4% |
| 4 bedroom | $1,997 | $1,797–$2,197 | $79,880 | $38.40/hr | +10.2% |
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 | $2,297 | $2,067–$2,527 |
| 6 bedroom Estimate | $2,596 | $2,336–$2,856 |
| 7 bedroom Estimate | $2,896 | $2,606–$3,186 |
| 8 bedroom Estimate | $3,195 | $2,876–$3,515 |
Source: HUD Office of Policy Development and Research, FY 2027 Fair Market Rents. Rents include utilities. huduser.gov
Market check
Two-bedrooms in St. Louis are asking $1,335. HUD says $1,349.
The two are within a couple percent of each other. Median asking rent across 19 St. Louis ZIP codes with active 2BR listings. FMR includes utilities and asking rents usually don't, so the true gap is a little smaller.
No card needed
What a voucher pays here
The FMR isn't the check you'd receive. Your local housing authority turns it into a payment standard, set between 90% and 110% of FMR, so a two-bedroom here lands between $1,214 and $1,484. Subtract about 30% of the tenant's income and that's the housing assistance payment. If you ask more than similar unassisted units rent for, the PHA's rent reasonableness check will push back.
At the standard 30% of income, a household needs about $53,960 a year to afford $1,349 a month. On a 40-hour week that's $26 an hour.
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%$1,214 | Voucher pays at 100%$1,349 | Voucher pays at 110%$1,484 |
|---|---|---|---|---|
| $2,500 | $750 | $464 | $599 | $734 |
| $4,000 | $1,200 | $14 | $149 | $284 |
Rate history
The two-bedroom rate went up 11% from FY 2026 ($1,218) to FY 2027 ($1,349). Since FY 2020 it's up 49% in total, about 5.9% 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 | $633 | $701 | $905 | $1,185 | $1,395 | — |
| FY 2021 | $671 | $731 | $938 | $1,224 | $1,440 | +3.6% |
| FY 2022 | $689 | $745 | $947 | $1,230 | $1,449 | +1.0% |
| FY 2023 | $748 | $795 | $999 | $1,294 | $1,512 | +5.5% |
| FY 2024 | $928 | $972 | $1,209 | $1,565 | $1,818 | +21.0% |
| FY 2025 | $951 | $984 | $1,215 | $1,570 | $1,806 | +0.5% |
| FY 2026 | $955 | $995 | $1,218 | $1,568 | $1,812 | +0.2% |
| FY 2027In effect | $1,064 | $1,104 | $1,349 | $1,731 | $1,997 | +10.8% |
About this rate
HUD sets Fair Market Rent once a year, based on what typical units in the area actually rent for, with utilities folded in. FY 2027 runs October 1, 2026 through September 30, 2027, and in St. Louis city the five published rates run from $1,064 to $1,997, studio through four bedrooms.
St. Louis doesn't get its own number. It sits inside the St. Louis metro and shares one rate with 13 other cities, including St. Louis County, St. Charles County, Madison County. HUD sets metro FMRs from rents across the whole metro, which is why a rural corner of a big metro can carry a city-sized rate.
The state median two-bedroom FMR is $962. St. Louis comes in at $1,349, about 40% above that, and ranks 16th of 116 in Missouri. Against the national median county ($1,063) it's about 27% above. Population is around 288,512.
Rates by ZIP code
HUD also publishes Small Area FMRs for the 24 ZIP codes it covers in St. Louis. Two-bedroom rates run from $1,040 in 63106 (Saint Louis) to $2,000 in 63108 (Saint Louis), a $960 spread inside one city. Whether your housing authority uses the ZIP rate or the city rate depends on whether HUD has designated this area for Small Area FMRs. Ask the PHA which one it's on before you price a unit.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 63101 | Saint Louis | $1,600 | +18.6% |
| 63102 | Saint Louis | $1,450 | +7.5% |
| 63103 | Saint Louis | $1,270 | -5.9% |
| 63104 | Saint Louis | $1,490 | +10.5% |
| 63106 | Saint Louis | $1,040 | -22.9% |
| 63107 | Saint Louis | $1,100 | -18.5% |
| 63108 | Saint Louis | $2,000 | +48.3% |
| 63109 | Saint Louis | $1,380 | +2.3% |
| 63110 | Saint Louis | $1,630 | +20.8% |
| 63111 | Saint Louis | $1,070 | -20.7% |
| 63112 | Saint Louis | $1,320 | -2.1% |
| 63113 | Saint Louis | $1,250 | -7.3% |
| 63115 | Saint Louis | $1,160 | -14.0% |
| 63116 | Saint Louis | $1,310 | -2.9% |
| 63118 | Saint Louis | $1,320 | -2.1% |
| 63120 | Saint Louis | $1,120 | -17.0% |
| 63139 | Saint Louis | $1,500 | +11.2% |
| 63147 | Saint Louis | $1,220 | -9.6% |
| 63150 | Saint Louis | $1,349County rate | — |
| 63155 | Saint Louis | $1,240 | -8.1% |
| 63156 | Saint Louis | $1,240 | -8.1% |
| 63157 | Saint Louis | $1,349County rate | — |
| 63158 | Saint Louis | $1,349County rate | — |
| 63160 | Saint Louis | $1,349County rate | — |
| 63163 | Saint Louis | $1,349County rate | — |
| 63164 | Saint Louis | $1,349County rate | — |
| 63166 | Saint Louis | $1,240 | -8.1% |
| 63169 | Saint Louis | $1,349County rate | — |
| 63171 | Saint Louis | $1,349County rate | — |
| 63177 | Saint Louis | $1,240 | -8.1% |
| 63178 | Saint Louis | $1,240 | -8.1% |
| 63179 | Saint Louis | $1,349County rate | — |
| 63180 | Saint Louis | $1,240 | -8.1% |
| 63182 | Saint Louis | $1,349County rate | — |
| 63188 | Saint Louis | $1,349County rate | — |
| 63195 | Saint Louis | $1,349County rate | — |
| 63197 | Saint Louis | $1,349County rate | — |
| 63199 | Saint Louis | $1,349County rate | — |
Counties sharing the St. Louis metro rate
HUD sets one rate for the whole metro, so every county here carries the same $1,349 two-bedroom figure as St. Louis.
St. Louis County
995,569 people
$1,349
St. Charles County
414,535 people
$1,349
Madison County
IL · 264,238 people
$1,349
St. Clair County
IL · 253,694 people
$1,349
Jefferson County
229,458 people
$1,349
Franklin County
105,950 people
$1,349
Lincoln County
63,057 people
$1,349
Warren County
37,177 people
$1,349
Clinton County
IL · 36,954 people
$1,349
Monroe County
IL · 35,036 people
$1,349
Jersey County
IL · 21,274 people
$1,349
Calhoun County
IL · 4,330 people
$1,349
Nearby counties
Two-bedroom FMR, with how each compares to St. Louis.
St. Louis County
9 mi · 995,569 people
$1,349
same rate
St. Charles County
25 mi · 414,535 people
$1,349
same rate
Jefferson County
28 mi · 229,458 people
$1,349
same rate
Franklin County
44 mi · 105,950 people
$1,349
same rate
Lincoln County
48 mi · 63,057 people
$1,349
same rate
Warren County
48 mi · 37,177 people
$1,349
same rate
Ste. Genevieve County
50 mi · 18,571 people
$974
-28%
St. Francois County
56 mi · 66,999 people
$988
-27%
Questions people ask
$1,349 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $1,064 for a studio, $1,104 for one bedroom, $1,731 for three and $1,997 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. Louis actually go for?
HUD's number is one input. Search any address in St. Louis for a rent estimate built from nearby comps. Free to start, no card.
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