Christian 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).

$1,1132-bedroom FMR, FY2027

$9131-bedroom FMR, FY2027

$73,10080% income limit, family of 4 (FY2026)

$91,400Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Christian County is $1,113 a month, up 1.6% from $1,095 in FY2026. Christian County belongs to the Springfield, MO HUD Metro FMR Area 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 Christian County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$908	$877	+3.5%	$818 – $998
1 bedroom	$913	$883	+3.4%	$822 – $1,004
2 bedrooms	$1,113	$1,095	+1.6%	$1,002 – $1,224
3 bedrooms	$1,539	$1,498	+2.7%	$1,386 – $1,692
4 bedrooms	$1,768	$1,701	+3.9%	$1,592 – $1,944

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 Christian County that is typically $1,002 to $1,224 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?

$50,810median income of renter households

$1,058Median gross rent, all units

25%Rent-to-income ratio (median rent ÷ median renter income)

41%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $50,810 can afford about $1,270 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,113 is $157 (12.4%) less than that. To rent a two-bedroom at the FMR, a household needs $44,520 a year under the 30% rule, or $40,068 under the common landlord rule that income must be three times the rent.

Christian County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$1,058 ±$49
Median income of renter households	$50,810 ±$4,545
Renters paying 30% or more of income (cost-burdened)	40.6% ±4.7
Renters paying 50% or more (severely cost-burdened)	22.1% ±4.1
Renter households (where the share can be computed)	8,054

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$816	$1,058	+29.7%
Median renter household income	$34,162	$50,810	+48.7%
Renters paying 30%+ of income	45.4%	40.6%	−4.8 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 $990 to $1,310 depending on the ZIP code.

All 55 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
65604	$790	$800	$990	$1,350	$1,540
65610	$790	$800	$990	$1,350	$1,560
65612	$790	$800	$990	$1,350	$1,540
65614	$790	$800	$1,040	$1,350	$1,540
65617	$880	$890	$1,090	$1,510	$1,730
65619	$920	$930	$1,130	$1,560	$1,790
65620	$790	$800	$990	$1,350	$1,540
65629	$790	$800	$990	$1,350	$1,540
65630	$880	$890	$1,110	$1,490	$1,680
65631	$1,050	$1,070	$1,310	$1,810	$2,090
65632	$790	$800	$990	$1,350	$1,570
65636	$790	$800	$990	$1,350	$1,540
65644	$850	$880	$1,030	$1,420	$1,690
65648	$900	$920	$1,100	$1,520	$1,770
65652	$790	$800	$990	$1,350	$1,540
65653	$790	$800	$990	$1,350	$1,540
65656	$790	$800	$990	$1,350	$1,610
65657	$790	$800	$990	$1,350	$1,540
65662	$790	$800	$990	$1,350	$1,540
65667	$790	$800	$990	$1,350	$1,540
65669	$1,040	$1,050	$1,290	$1,780	$2,050
65705	$790	$800	$1,020	$1,360	$1,590
65706	$790	$800	$990	$1,350	$1,540
65713	$790	$800	$990	$1,350	$1,540
65714	$950	$960	$1,170	$1,620	$1,860
65720	$790	$800	$990	$1,350	$1,540
65721	$970	$980	$1,190	$1,650	$1,890
65725	$920	$930	$1,140	$1,580	$1,800
65728	$840	$880	$1,110	$1,530	$1,800
65737	$790	$800	$1,010	$1,380	$1,660
65738	$1,060	$1,070	$1,300	$1,800	$2,060
65742	$860	$870	$1,060	$1,470	$1,680
65746	$790	$800	$990	$1,350	$1,540
65753	$790	$800	$990	$1,350	$1,540
65754	$830	$870	$1,110	$1,530	$1,800
65757	$960	$970	$1,180	$1,630	$1,870
65759	$790	$800	$990	$1,350	$1,540
65765	$910	$920	$1,120	$1,550	$1,780
65770	$790	$800	$990	$1,350	$1,540
65771	$790	$810	$1,050	$1,360	$1,540
65781	$1,040	$1,040	$1,270	$1,760	$2,020
65801	$910	$920	$1,120	$1,550	$1,780
65802	$820	$820	$1,000	$1,380	$1,590
65803	$890	$890	$1,090	$1,510	$1,730
65804	$910	$910	$1,110	$1,540	$1,760
65805	$910	$920	$1,120	$1,550	$1,780
65806	$930	$940	$1,140	$1,580	$1,810
65807	$990	$1,000	$1,220	$1,690	$1,940
65808	$910	$920	$1,120	$1,550	$1,780
65809	$930	$940	$1,140	$1,580	$1,810
65810	$1,050	$1,060	$1,290	$1,780	$2,050
65814	$910	$920	$1,120	$1,550	$1,780
65890	$910	$920	$1,120	$1,550	$1,780
65897	$950	$950	$1,160	$1,610	$1,840
65898	$910	$920	$1,120	$1,550	$1,780

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

HUD income limits for Christian County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $91,400 (FY2025: $91,100, +0.3%). 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%)	$19,200 +2.7%	$21,950 +2.6%	$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%)	$32,000 +2.7%	$36,600 +2.8%	$41,150 +2.7%	$45,700 +2.7%	$49,400 +2.7%	$53,050 +2.7%	$56,700 +2.7%	$60,350 +2.7%
Low income (80%)	$51,200 +2.7%	$58,500 +2.6%	$65,800 +2.7%	$73,100 +2.7%	$78,950 +2.7%	$84,800 +2.7%	$90,650 +2.7%	$96,500 +2.7%

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.