St. Joseph, MO-KS: 2-bedroom payment standards across 33 ZIP codes
HUD's FY2026 Small Area Fair Market Rents for St. Joseph, MO-KS MSA range from $940 to $1,620 for a 2-bedroom. The 90th-percentile ZIP code runs 1.25× the 10th — a gap of $238 a month — which ranks 192th widest of the 247 HUD metro areas we compare.
median 2-bedroom SAFMR across the area's 33 ZIP codes. Where a housing authority sets a single metro-wide standard, it could reach $1,144 at 110%.
monthly gap between the 90th- and 10th-percentile ZIP code ($940 to $1,178).
of the area's ZIP codes (7 of 33) sit above $1,144 — 110% of the area median.
Highest-rent ZIP codes in St. Joseph, MO-KS
Every ZIP code, ranked
The payment-standard column is HUD's published 90–110% band for that ZIP code — the range a housing authority may adopt without HUD approval. Your PHA sets the exact figure. The final column compares each ZIP to the area median; ZIP codes marked above 110% exceed 110% of that median — where a housing authority sets a single area-wide standard, those sit above the highest ceiling basic policy reaches.
| # | ZIP code | 2 BR SAFMR ▾ | Payment standard (90–110%) | vs area median |
|---|---|---|---|---|
| 1 | 64436 | $1,620 | $1,458–$1,782 | above 110% |
| 2 | 64421 | $1,490 | $1,341–$1,639 | above 110% |
| 3 | 64444 | $1,180 | $1,062–$1,298 | above 110% |
| 4 | 64459 | $1,180 | $1,062–$1,298 | above 110% |
| 5 | 64503 | $1,170 | $1,053–$1,287 | above 110% |
| 6 | 64439 | $1,160 | $1,044–$1,276 | above 110% |
| 7 | 64505 | $1,160 | $1,044–$1,276 | above 110% |
| 8 | 64430 | $1,110 | $999–$1,221 | 107% |
| 9 | 64507 | $1,110 | $999–$1,221 | 107% |
| 10 | 64504 | $1,090 | $981–$1,199 | 105% |
| 11 | 66024 | $1,090 | $981–$1,199 | 105% |
| 12 | 64502 | $1,080 | $972–$1,188 | 104% |
| 13 | 64506 | $1,080 | $972–$1,188 | 104% |
| 14 | 64508 | $1,080 | $972–$1,188 | 104% |
| 15 | 64443 | $1,060 | $954–$1,166 | 102% |
| 16 | 64494 | $1,060 | $954–$1,166 | 102% |
| 17 | 64484 | $1,040 | $936–$1,144 | 100% |
| 18 | 64422 | $1,030 | $927–$1,133 | 99% |
| 19 | 64440 | $1,030 | $927–$1,133 | 99% |
| 20 | 64454 | $1,030 | $927–$1,133 | 99% |
| 21 | 64474 | $1,030 | $927–$1,133 | 99% |
| 22 | 64485 | $1,030 | $927–$1,133 | 99% |
| 23 | 64490 | $1,030 | $927–$1,133 | 99% |
| 24 | 64501 | $1,030 | $927–$1,133 | 99% |
| 25 | 64448 | $990 | $891–$1,089 | 95% |
| 26 | 64480 | $970 | $873–$1,067 | 93% |
| 27 | 66090 | $970 | $873–$1,067 | 93% |
| 28 | 64401 | $950 | $855–$1,045 | 91% |
| 29 | 64449 | $940 | $846–$1,034 | 90% |
| 30 | 64483 | $940 | $846–$1,034 | 90% |
| 31 | 66008 | $940 | $846–$1,034 | 90% |
| 32 | 66035 | $940 | $846–$1,034 | 90% |
| 33 | 66087 | $940 | $846–$1,034 | 90% |
How St. Joseph, MO-KS compares
Its internal spread of 1.25× (p90 ÷ p10) ranks 192 of 247 HUD metro FMR areas, against a median of 1.37× and a national high of 1.77×. On the steadier p75 ÷ p25 measure it is 1.12×. Note that this area's 90th or 10th percentile lands exactly on its highest or lowest ZIP code, so a single ZIP is carrying the p90/p10 figure — the p75/p25 measure is the better read here. See the full ranking and how it was measured →
A note on what this does not mean: a higher payment standard does not increase the assistance a household receives. It raises the ceiling on the rent a voucher can cover, while the household still pays roughly 30% of adjusted income. Figures are ZIP-weighted, not renter-weighted, and rest on 2019–2023 American Community Survey data trended forward.