Osage 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).

$9622-bedroom FMR, FY2027

$7351-bedroom FMR, FY2027

$84,40080% income limit, family of 4 (FY2026)

$105,500Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Osage County is $962 a month, up 5.7% from $910 in FY2026. Osage County belongs to the Jefferson City, 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 Osage County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$731	$689	+6.1%	$658 – $804
1 bedroom	$735	$694	+5.9%	$662 – $808
2 bedrooms	$962	$910	+5.7%	$866 – $1,058
3 bedrooms	$1,332	$1,266	+5.2%	$1,199 – $1,465
4 bedrooms	$1,548	$1,379	+12.3%	$1,394 – $1,702

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 Osage County that is typically $866 to $1,058 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?

$38,144median income of renter households

$639Median gross rent, all units

20%Rent-to-income ratio (median rent ÷ median renter income)

38%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $38,144 can afford about $954 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $962 is $8 (0.9%) more than that. To rent a two-bedroom at the FMR, a household needs $38,480 a year under the 30% rule, or $34,632 under the common landlord rule that income must be three times the rent.

Osage County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$639 ±$77
Median income of renter households	$38,144 ±$4,885
Renters paying 30% or more of income (cost-burdened)	38.2% ±7.3
Renters paying 50% or more (severely cost-burdened)	25.6% ±6.6
Renter households (where the share can be computed)	944

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$535	$639	+19.4%
Median renter household income	$33,219	$38,144	+14.8%
Renters paying 30%+ of income	30.9%	38.2%	+7.3 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 $1,330 depending on the ZIP code.

All 28 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
65001	$750	$860	$1,010	$1,380	$1,550
65013	$710	$840	$960	$1,320	$1,470
65014	$710	$740	$960	$1,330	$1,400
65016	$730	$740	$960	$1,330	$1,550
65023	$850	$850	$1,120	$1,550	$1,790
65024	$730	$740	$960	$1,330	$1,550
65032	$770	$860	$1,020	$1,380	$1,530
65035	$730	$740	$960	$1,330	$1,550
65040	$780	$840	$1,030	$1,410	$1,590
65046	$730	$740	$960	$1,330	$1,510
65048	$730	$740	$960	$1,330	$1,550
65051	$730	$740	$960	$1,330	$1,550
65053	$730	$740	$960	$1,330	$1,550
65054	$730	$740	$960	$1,330	$1,550
65058	$710	$840	$960	$1,310	$1,450
65061	$750	$760	$990	$1,370	$1,500
65062	$740	$750	$980	$1,360	$1,510
65074	$730	$740	$960	$1,330	$1,540
65076	$1,010	$1,020	$1,330	$1,840	$2,140
65085	$730	$740	$960	$1,330	$1,550
65101	$730	$740	$960	$1,330	$1,550
65102	$740	$740	$970	$1,340	$1,560
65103	$740	$740	$970	$1,340	$1,560
65104	$740	$740	$970	$1,340	$1,560
65105	$740	$740	$970	$1,340	$1,560
65109	$770	$780	$1,020	$1,410	$1,640
65110	$740	$740	$970	$1,340	$1,560
65582	$800	$970	$1,080	$1,470	$1,620

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

HUD income limits for Osage County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $105,500 (FY2025: $113,000, −6.6%). 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%)	$22,200 +0.7%	$25,350 +0.6%	$28,500 +0.5%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +2.9%
Very low income (50%)	$36,950 +0.5%	$42,200 +0.5%	$47,500 +0.5%	$52,750 +0.5%	$57,000 +0.5%	$61,200 +0.5%	$65,450 +0.5%	$69,650 +0.5%
Low income (80%)	$59,100 +0.5%	$67,550 +0.5%	$76,000 +0.5%	$84,400 +0.5%	$91,200 +0.5%	$97,950 +0.5%	$104,700 +0.5%	$111,450 +0.5%

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.