Andrew County, MO: Fair Market Rent 2027 and Income Limits

Official HUD figures for landlords and renters, effective October 1, 2026 (rents) and May 1, 2026 (income limits).

$1,1012-bedroom FMR, FY2027

$8571-bedroom FMR, FY2027

$73,35080% income limit, family of 4 (FY2026)

$91,800Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Andrew County is $1,101 a month, up 2.2% from $1,077 in FY2026. Andrew County belongs to the St. Joseph, MO-KS MSA FMR area, so the same figures apply across that area. FMRs are gross rents: rent plus all tenant-paid utilities except phone, cable and internet.

Fair market rent in Andrew County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$850	$774	+9.8%	$765 – $935
1 bedroom	$857	$832	+3.0%	$772 – $942
2 bedrooms	$1,101	$1,077	+2.2%	$991 – $1,211
3 bedrooms	$1,406	$1,363	+3.2%	$1,266 – $1,546
4 bedrooms	$1,629	$1,566	+4.0%	$1,467 – $1,791

Source: HUD Fair Market Rents FY2027 (effective October 1, 2026) and FY2026 (revised file), details.

What can a landlord charge a Section 8 tenant here?

The FMR is not a cap on what you can ask on the open market. For a Housing Choice Voucher tenant, the local housing authority sets a payment standard, normally between 90% and 110% of the FMR (or of the ZIP-level Small Area FMR where those apply). For a two-bedroom unit in Andrew County that is typically $991 to $1,211 including utilities. You can charge more than the payment standard if the rent passes the housing authority's rent-reasonableness test and, at move-in, the tenant's share stays within 40% of their adjusted monthly income. Ask the housing authority for its current payment standard schedule.

Can local renters afford the fair market rent?

$48,117median income of renter households

$961Median gross rent, all units

24%Rent-to-income ratio (median rent ÷ median renter income)

39%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $48,117 can afford about $1,203 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,101 is $102 (8.5%) less than that. To rent a two-bedroom at the FMR, a household needs $44,040 a year under the 30% rule, or $39,636 under the common landlord rule that income must be three times the rent.

Andrew County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$961 ±$80
Median income of renter households	$48,117 ±$6,096
Renters paying 30% or more of income (cost-burdened)	38.7% ±9.1
Renters paying 50% or more (severely cost-burdened)	8.1% ±3.7
Renter households (where the share can be computed)	1,450

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$801	$961	+20.0%
Median renter household income	$40,663	$48,117	+18.3%
Renters paying 30%+ of income	34.3%	38.7%	+4.4 pts

Rent-to-income calculator: does an applicant qualify? → · Most affordable counties to rent in this state →

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates 2020–2024 and 2015–2019 (tables B25064, B25119, B25070). ± = margin of error at 90% confidence. Dollar figures are not adjusted for inflation.

Small Area FMRs by ZIP code (FY2027)

In metro areas HUD also publishes ZIP-level Small Area Fair Market Rents. Housing authorities in designated areas must use them for voucher payment standards; others may opt in. Here the two-bedroom SAFMR ranges from $960 to $1,650 depending on the ZIP code.

All 47 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
64401	$820	$830	$1,060	$1,350	$1,570
64421	$1,200	$1,210	$1,560	$1,990	$2,310
64422	$780	$800	$1,020	$1,310	$1,520
64423	$740	$750	$970	$1,230	$1,600
64427	$740	$750	$970	$1,230	$1,430
64429	$1,070	$1,130	$1,340	$1,730	$2,050
64430	$820	$830	$1,060	$1,350	$1,570
64436	$1,270	$1,280	$1,650	$2,110	$2,440
64439	$980	$1,060	$1,210	$1,580	$1,890
64440	$800	$810	$1,030	$1,320	$1,520
64443	$830	$840	$1,080	$1,380	$1,600
64444	$860	$940	$1,070	$1,390	$1,650
64448	$830	$840	$1,070	$1,370	$1,590
64449	$740	$750	$970	$1,230	$1,420
64454	$890	$950	$1,100	$1,430	$1,700
64455	$730	$750	$970	$1,230	$1,520
64457	$780	$800	$1,030	$1,370	$1,690
64459	$920	$930	$1,190	$1,520	$1,760
64463	$740	$770	$1,000	$1,380	$1,660
64469	$740	$750	$970	$1,230	$1,420
64474	$750	$810	$960	$1,230	$1,440
64480	$780	$790	$1,010	$1,310	$1,530
64483	$750	$760	$970	$1,240	$1,440
64484	$820	$840	$1,050	$1,350	$1,570
64485	$800	$810	$1,040	$1,330	$1,540
64490	$820	$850	$1,050	$1,350	$1,580
64494	$830	$840	$1,080	$1,380	$1,600
64497	$730	$750	$970	$1,230	$1,410
64501	$830	$840	$1,080	$1,380	$1,600
64502	$850	$860	$1,100	$1,410	$1,630
64503	$890	$900	$1,150	$1,470	$1,700
64504	$870	$880	$1,130	$1,440	$1,670
64505	$930	$930	$1,200	$1,530	$1,780
64506	$850	$860	$1,100	$1,410	$1,630
64507	$860	$860	$1,110	$1,420	$1,640
64508	$850	$860	$1,100	$1,410	$1,630
64670	$710	$750	$970	$1,230	$1,410
66002	$730	$810	$970	$1,340	$1,620
66008	$700	$750	$970	$1,300	$1,540
66017	$710	$750	$970	$1,290	$1,520
66024	$860	$860	$1,110	$1,420	$1,640
66035	$740	$750	$970	$1,230	$1,420
66041	$700	$760	$1,000	$1,380	$1,670
66087	$740	$750	$970	$1,230	$1,420
66090	$790	$790	$1,020	$1,300	$1,510
66094	$720	$750	$970	$1,230	$1,410
66532	$720	$750	$970	$1,230	$1,410

Source: HUD FY2027 Small Area FMRs (effective October 1, 2026).

HUD income limits for Andrew County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $91,800 (FY2025: $83,400, +10.1%). Small figures under each limit show the change from FY2025.

Household size	1 person	2 people	3 people	4 people	5 people	6 people	7 people	8 people
Extremely low income (30%)	$19,250 +10.0%	$22,000 +4.0%	$27,320 +2.5%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +2.9%
Very low income (50%)	$32,100 +9.9%	$36,700 +9.9%	$41,300 +10.0%	$45,850 +10.0%	$49,550 +10.0%	$53,200 +9.9%	$56,900 +10.0%	$60,550 +10.0%
Low income (80%)	$51,350 +10.0%	$58,700 +9.9%	$66,050 +10.0%	$73,350 +10.0%	$79,250 +10.0%	$85,100 +9.9%	$91,000 +10.0%	$96,850 +10.0%

The 30% limit is HUD's “extremely low income” limit: the higher of 30% of median income or the federal poverty guideline, but never above the 50% limit. That is why it can rise faster than 30% of median for larger households. Tax-credit (LIHTC) properties use separate Multifamily Tax Subsidy Project limits.

Source: HUD Section 8 Income Limits FY2026 (effective May 1, 2026) and FY2025, details.