Section 8 Rent in ZIP 64440
FY2027 Small Area Fair Market Rent for ZIP 64440 in Buchanan County, Missouri: HUD rent benchmarks by bedroom size, an illustrative percentage range, the housing authorities that administer vouchers here, and whether a landlord can legally decline a voucher in Missouri.
What does the HUD rent benchmark measure in ZIP 64440?
HUD's Fair Market Rents estimate 40th-percentile gross rents for standard-quality units occupied by recent movers. Small Area FMRs provide ZIP-level estimates. These are not arithmetic average asking rents or approved voucher payments. For FY2027, that benchmark is $810 for a one-bedroom and $1,030 for a two-bedroom in ZIP 64440. Actual asking rents and adopted agency payment standards can differ. The full HUD benchmark table is above.
What changed from FY2026 to FY2027 in ZIP 64440
HUD's two-bedroom Small Area Fair Market Rent for ZIP 64440 stayed at $1,030 for FY2027. FY2027 figures took effect on October 1, 2026.
| Bedrooms | FY2026 | FY2027 | Change |
|---|---|---|---|
| Efficiency (studio) | $810 | $800 | -$10 (-1.2%) |
| 1-bedroom | $900 | $810 | -$90 (-10.0%) |
| 2-bedroom | $1,030 | $1,030 | $0 (0%) |
| 3-bedroom | $1,350 | $1,320 | -$30 (-2.2%) |
| 4-bedroom | $1,570 | $1,520 | -$50 (-3.2%) |
The FMR is not what the voucher pays. Each housing authority sets its own payment standard. The basic range is 90% to 110% of the applicable FMR or SAFMR, with exceptions and Moving to Work policies that may differ. A HUD effective date is not a household rent-change notice. Confirm the adopted schedule and its application to your lease or reexamination with your agency.
Source: HUD Small Area Fair Market Rents, FY2026 and FY2027, huduser.gov.
Illustration: 90% to 110% of the HUD benchmark (2 BR)
These percentages illustrate the basic payment-standard range, not a verified agency schedule. ZIP-based policies, approved exceptions and Moving to Work rules can differ.
Gross rent includes the applicable allowance for tenant-paid utilities. Ask your administering agency for the adopted standard and household affordability calculation; neither the HUD benchmark nor this illustration is a lease approval.
ZIP vs county FMR (2 BR)
ZIP 64440 at $1,030 is $71 lower than the Buchanan County county-wide 2 BR FMR of $1,101. The difference describes HUD benchmarks, not a reduction in your voucher. Confirm the applicable schedule with the agency administering your assistance.
Can a landlord refuse Section 8 in ZIP 64440?
Yes. Missouri law blocks local governments from requiring voucher acceptance, so landlords in ZIP 64440 can legally decline Section 8 applicants. Listing on a voucher-friendly marketplace is the fastest way to find the landlords who do accept.
Mo. Rev. Stat. §441.043 (HB 595, 2025)
Nullified Kansas City, St. Louis, Columbia, Clayton and Webster Groves ordinances. PRRAC Appendix B (March 2026).
View statute →Informational only, not legal advice. Laws change, so verify current status before acting on a rejection or making a leasing decision.
Housing authorities serving Buchanan County
St. Joseph Housing Authority
Saint Joseph · PHA code MO003
1,030 Section 8 units
These agencies are listed for the county. Confirm jurisdiction for the exact address and, if you already have a voucher, which agency will administer the proposed move.
Frequently asked questions
- How much does Section 8 pay for a 2-bedroom in ZIP 64440?
- For ZIP 64440 in Buchanan County, MO, the FY2027 two-bedroom Small Area Fair Market Rent is $1,030 per month. For illustration, 90% to 110% of this HUD benchmark is roughly $925 to $1,135. This modeled range is not the agency's adopted schedule. The agency calculates assistance using its applicable standard, household income and unit details; gross rent includes the allowance for tenant-paid utilities.
- What are the FY2027 HUD rent benchmarks for ZIP 64440?
- HUD's FY2027 Small Area Fair Market Rent for ZIP 64440, by bedroom size: studio $800, 1-bedroom $810, 2-bedroom $1,030, 3-bedroom $1,320, 4-bedroom $1,520. A ZIP benchmark helps compare locations but does not establish what a voucher pays. The administering agency's adopted schedule, program rules and household calculation determine assistance.
- Which housing authority covers ZIP 64440?
- Agencies listed for Buchanan County include St. Joseph Housing Authority. This county directory does not establish jurisdiction for every address. Check the agency on your voucher or application and confirm who would administer assistance at the proposed unit.
Find Section 8 apartments in ZIP 64440
VoucherMatch connects voucher holders with landlords who accept Section 8, and it is free for renters. The administering housing authority must approve the actual unit, rent and household assistance calculation.
Landlord and investor tools for Buchanan County
RentalCalcsFree calculators and guides from RentalCalcs, built by the VoucherMatch team, for landlords deciding whether to accept vouchers.
- Buchanan County rental market dataRents, home prices, cap rates and cash flow estimates for investors.
- Section 8 rent analyzerHUD rent benchmarks and modeled comparisons for Missouri ZIP codes. Confirm adopted amounts with the agency.
- Compare HUD benchmarks with market rent in MissouriExplore modeled ZIP comparisons; these do not establish an approved rent or agency payment.
- Average rent in MissouriMarket rent versus HUD fair market rent by city and bedroom count.
- How Section 8 rent is calculatedFair market rent, payment standards and rent reasonableness, step by step.
- Section 8 landlord math for 2026What the payment standard changes mean for cash flow this year.
SAFMR data published by HUD for FY2027. ZIP 64440 maps to Buchanan County, MO · FIPS 29021. Investors can run these numbers in the RentalCalcs voucher analyzer.