Section 8 Payment Standards — St. Louis, Missouri (FY 2026)
HUD Small Area Fair Market Rent (SAFMR) data for St. Louis ZIP codes, plus how Section 8 rent compares to typical market asking rents.
City of St. Louis pricing stays low while HUD SAFMR data supports stronger gross rent assumptions than Zillow comps alone.
County est. 2BR SAFMR
$1,218
County median home value
$186,876
Est. Section 8 yield
7.8%
On a typical St. Louis county home, HUD's 2BR limit ($1,218/mo) vs an estimated market asking rent (~$1,495/mo) suggests a +-$277/mo Section 8 premium before utilities, payment standard adjustments, and rent reasonableness.
Sample St. Louis ZIP codes — FY 2026 SAFMR
Payment standards vary by ZIP and bedroom count. Always confirm current limits with the local housing authority before underwriting a deal.
| ZIP | 0BR | 1BR | 2BR | 3BR | 4BR |
|---|---|---|---|---|---|
| 63101 | $1,150 | $1,190 | $1,460 | $1,880 | $2,170 |
| 63106 | $760 | $800 | $990 | $1,270 | $1,480 |
| 63113 | $870 | $910 | $1,110 | $1,430 | $1,650 |
Why Section 8 rent matters in St. Louis
Most investors underwrite St. Louis rentals using Zillow or market asking rent. Section 8 uses HUD SAFMR payment standards — and in many Missouri markets the gap between HUD rent and market rent is what makes a property cash-flow.
Local PHAs may set payment standards between 90% and 110% of SAFMR, subtract utility allowances, and run rent reasonableness tests. Use full SAFMR as a ceiling, not a guarantee on every door.
Search live St. Louis listings scored on Section 8 rent
Rich from Section 8 merges live for-sale inventory in St. Louis, MO with official HUD SAFMR data, rent gap scoring, and instant cash-flow underwriting — not Zillow rent guesses.
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