Low-FMR metro gap - St. Joseph, MO-KS MSA
Displayed gap in St. Joseph, MO-KS MSA: +21.1% (HUD $1,077 vs ACS $889) · counties in FMR rows: Andrew County, Buchanan County, DeKalb County, Doniphan County .
FMR gap dispatch plate
CBSA 41140 · St. Joseph, MO-KS -21.1% shortfall
GAP-GENEROUS · FMR-BOTTOM · SPREAD-PLUS · PHOTO-FINISH · COUNTY-MID · BOOK-FULL
- GAP-GENEROUS 21.1% surplus
- FMR-BOTTOM #62/396 · P15
- SPREAD-PLUS +$188
- PHOTO-FINISH Philadelphia-Camde
- COUNTY-MID 4 counties
- BOOK-FULL HUD+ACS pair
Nearest shortfall peer: Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Metro Area (+0.0pp)
HUD's reference overshoots the ACS median by $188/mo. Lease-up odds are usually better than in shortfall markets, though still compare Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Metro Area before assuming portability helps.
Instrument codes from this metro’s HUD FMR vs ACS shortfall band, national FMR quartile, dollar spread, gap peer, county footprint, and book completeness, not a moving recommendation.
Shortfall neighbourhood around St. Joseph, MO-KS
Metros nearest this CBSA on voucher-vs-market shortfall (HUD FMR vs ACS 2-BR median). Full ladder: /gap/.
- Richmond -21.07
Richmond: -21.1% shortfall
-21.07 % shortfall
- St. Joseph · this metro -21.15
St. Joseph · this metro: -21.1% shortfall
-21.15 % shortfall
- Philadelphia-Cam -21.15
Philadelphia-Cam: -21.1% shortfall
-21.15 % shortfall
- Rochester -21.19
Rochester: -21.2% shortfall
-21.19 % shortfall
- Florence-Muscle -21.21
Florence-Muscle : -21.2% shortfall
-21.21 % shortfall
How does St. Joseph, MO-KS compare with nearby FMR areas?
These are the twelve metros closest to St. Joseph, MO-KS on the displayed voucher-vs-market margin. Their county lists are HUD FMR-area coverage, not a claim that the markets are interchangeable.
- Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Metro Area
-21.1% shortfall · HUD $1,810 vs ACS $1,494 · $+$316/mo
HUD FMR-area counties: Bucks County, Burlington County, Camden County, Cecil County, Chester County, Delaware County.
- Rochester, MN Metro Area
-21.2% shortfall · HUD $1,407 vs ACS $1,161 · $+$246/mo
HUD FMR-area counties: Dodge County, Olmsted County.
- Florence-Muscle Shoals, AL Metro Area
-21.2% shortfall · HUD $1,000 vs ACS $825 · $+$175/mo
HUD FMR-area counties: Colbert County, Lauderdale County.
- Richmond, VA Metro Area
-21.1% shortfall · HUD $1,655 vs ACS $1,367 · $+$288/mo
HUD FMR-area counties: Amelia County, Charles City County, Chesterfield County, Colonial Heights city, Dinwiddie County, Goochland County.
- Wichita Falls, TX Metro Area
-21.2% shortfall · HUD $1,136 vs ACS $937 · $+$199/mo
HUD FMR-area counties: Archer County, Clay County, Wichita County.
- Brownsville-Harlingen, TX Metro Area
-21.0% shortfall · HUD $1,047 vs ACS $865 · $+$182/mo
HUD FMR-area counties: Cameron County.
- Sandusky, OH Metro Area
-21.3% shortfall · HUD $1,106 vs ACS $912 · $+$194/mo
HUD FMR-area counties: Erie County.
- Saginaw, MI Metro Area
-21.0% shortfall · HUD $1,117 vs ACS $923 · $+$194/mo
HUD FMR-area counties: Saginaw County.
- Las Vegas-Henderson-North Las Vegas, NV Metro Area
-21.0% shortfall · HUD $1,735 vs ACS $1,434 · $+$301/mo
HUD FMR-area counties: Clark County.
- Chico, CA Metro Area
-21.4% shortfall · HUD $1,625 vs ACS $1,339 · $+$286/mo
HUD FMR-area counties: Butte County.
- El Paso, TX Metro Area
-20.9% shortfall · HUD $1,191 vs ACS $985 · $+$206/mo
HUD FMR-area counties: El Paso County.
- Lexington-Fayette, KY Metro Area
-20.9% shortfall · HUD $1,272 vs ACS $1,052 · $+$220/mo
HUD FMR-area counties: Bourbon County, Clark County, Fayette County, Jessamine County, Scott County, Woodford County.
Source: HUD USER FY2026 Fair Market Rent area records and Census ACS 2019–2023 median gross rent.
MO FMR scale context
These are the closest FY2026 2-BR FMR values in MO; they help place this HUD reference on its state scale, but do not substitute for each metro’s ACS rent comparison.
- Springfield, MO HUD Metro FMR Area $1,095 (+$18)
- Callaway County, MO HUD Metro FMR Area $1,042 (−$35)
- Columbia, MO HUD Metro FMR Area $1,160 (+$83)
- Cape Girardeau, MO-IL MSA $992 (−$85)
- Kansas City, MO-KS HUD Metro FMR Area $1,358 (+$281)
High-FMR contrast (scale only)
Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area ($2,255 2-BR); Salinas, CA MSA ($2,684 2-BR); Salt Lake City, UT HUD Metro FMR Area ($1,747 2-BR); San Diego-Chula Vista-Carlsbad, CA MSA ($3,001 2-BR) . Opposite-quartile FMR metros for scale, not gap substitutes for St. Joseph, MO-KS MSA.
St. Joseph, MO-KS MSA gap inputs
- HUD 2-BR FMR (FY2026): $1,077/mo
- ACS 2019–2023 2-BR median: $889/mo
- Displayed gap: +21.1%
- National FMR percentile: 15 (#62/396)
displayed % = (HUD 2-BR − ACS 2-BR median) / ACS median × 100
Issuing PHAs for St. Joseph, MO-KS MSA
MO HCV agencies (scale-keyed)
Full payment standards for St. Joseph, MO-KS MSA · Payment standards vs FMR
Source: HUD USER Fair Market Rent FY2026, Census ACS median gross rent. Gap is PlainVoucher-derived. Methodology.
Disclaimer. For informational purposes only, not a substitute for PHA counseling or legal advice. Median gross rent reflects rents paid by current tenants; asking rents for available units typically run higher. Actual PHA payment standards can differ from HUD FMR by ±10%. Always confirm the current payment standard with your PHA. PlainVoucher is not affiliated with HUD or any PHA.