HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Stone County, Missouri (FY 2026)
A two-bedroom in Stone County carries a FY 2026 Fair Market Rent of $923 a month, effective October 1, 2025 through September 30, 2026. Everything Section 8 pays in Stone keys off that figure.
2 bedroom FMR
$923
FY 2026, utilities included
Payment standard range
$831 to $1,015
90% to 110% of FMR
Income to afford 2BR
$36,920
per year, at 30% of income
Rank in Missouri
44th of 116
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Stone moves to $1,032. That's up 12%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Stone actually rent for?
Search any address in Stone for a rent estimate built from nearby comps, with the HUD figure right next to it.
FY 2026 Fair Market Rents
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $649 | $584 to $714 | $25,960 | $12.48/hr | +6.9% |
| 1 bedroom | $703 | $633 to $773 | $28,120 | $13.52/hr | +8.8% |
| 2 bedroom | $923 | $831 to $1,015 | $36,920 | $17.75/hr | +8.8% |
| 3 bedroom | $1,284 | $1,156 to $1,412 | $51,360 | $24.69/hr | +8.1% |
| 4 bedroom | $1,548 | $1,393 to $1,703 | $61,920 | $29.77/hr | +8.7% |
5 to 8 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 | $1,780 | $1,602 to $1,958 |
| 6 bedroom Estimate | $2,012 | $1,811 to $2,213 |
| 7 bedroom Estimate | $2,245 | $2,021 to $2,470 |
| 8 bedroom Estimate | $2,477 | $2,229 to $2,725 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
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 2026 that's October 1, 2025 through September 30, 2026. In Stone, that runs from $649 for a studio up to $1,548 for four bedrooms, all five rates in the table above.
Because Stone 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, Blue Eye included.
Among Missouri's 116 counties, Stone ranks 44th for two-bedroom FMR. That's about 4% above the state median of $888 and about 9% below the national median county at $1,018. About 31,314 people live here, 37th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $900 in 65656 (Galena) and $1,130 in 65633 (Crane), with the 9 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.
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 Stone somewhere between $831 and $1,015. 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.
$923 a month is affordable, by HUD's 30% rule, on an income of roughly $36,920 a year. Put another way, $18 an hour full time.
Worked example for a two-bedroom, assuming the rent equals the payment standard. Tenant pays 30% of monthly income, HUD's housing assistance payment covers the rest.
| Monthly household income | Tenant pays (30%) | HAP at 90% ($831) | HAP at 100% ($923) | HAP at 110% ($1,015) |
|---|---|---|---|---|
| $2,500 | $750 | $81 | $173 | $265 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 9% from FY 2025 ($848) to FY 2026 ($923). Since FY 2020 it's up 35% in total, about 5.1% a year. The Missouri median moved up 8% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $549 | $552 | $685 | $956 | $1,203 | — |
| FY 2021 | $538 | $542 | $665 | $941 | $1,151 | -2.9% |
| FY 2022 | $564 | $567 | $685 | $973 | $1,172 | +3.0% |
| FY 2023 | $616 | $620 | $758 | $1,077 | $1,291 | +10.7% |
| FY 2024 | $613 | $617 | $811 | $1,143 | $1,376 | +7.0% |
| FY 2025 | $607 | $646 | $848 | $1,188 | $1,424 | +4.6% |
| FY 2026 | $649 | $703 | $923 | $1,284 | $1,548 | +8.8% |
| FY 2027 | $719 | $789 | $1,032 | $1,429 | $1,725 | +11.8% |
Nearby counties
Questions people ask
$923 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $649 for a studio, $703 for one bedroom, $1,284 for three and $1,548 for four.
Tools for this county
Fair Market Rent lookup
Look up any ZIP code's Small Area FMR by bedroom count.
Section 8 rent calculator
Work out the 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
See what income a household needs for a given rent.
What does a rental in Stone actually go for?
HUD's number is one input. Search any address in Stone for a rent estimate built from nearby comps. 3 free searches, no card.
Free tier. No credit card.