The largest adjacent-band increase is from 2 bedroom to 3 bedroom: $350 per month.
2026 HUD rent analysis
St. Louis Section 8 rent by bedroom.
A normalized view of St. Louis, MO-IL HUD Metro FMR Area Fair Market Rents, paired with Cash Flow Gems listing-coverage evidence and a transparent gross-yield screen.
- 3-bedroom monthly FMR
- $1,568
- 3-bedroom annualized
- $18,816
- 12% gross-yield ceiling
- $156,800
- Matchable source rows
- 1
Normalized rent schedule
What HUD’s benchmark means for a first-pass screen.
The final column divides annual FMR by 12%. It is a mechanical gross-rent screen—not a valuation, offer price, or projected net return. It excludes taxes, insurance, repairs, vacancy, management, utilities, financing, and property condition.
| Bedroom band | Monthly FMR | Annualized FMR | Price at 12% gross yield |
|---|---|---|---|
| Studio | $955 | $11,460 | $95,500 |
| 1 bedroom | $995 | $11,940 | $99,500 |
| 2 bedroom | $1,218 | $14,616 | $121,800 |
| 3 bedroom | $1,568 | $18,816 | $156,800 |
| 4 bedroom | $1,812 | $21,744 | $181,200 |
Data-specific observations
Three facts worth carrying into underwriting.
The normalized dataset contains 1 source rows last observed June 20, 2026 for St. Louis; 1 clear the basic price, bedroom, and non-land completeness gate.
The HUD schedule belongs to St. Louis, MO-IL HUD Metro FMR Area. A metro benchmark does not prove a specific unit’s approved rent, payment standard, inspection outcome, or rent reasonableness.
Diligence before ranking
Questions the rent table cannot answer.
The St. Louis HUD schedule remains useful as a documented reference even when listing coverage is sparse. A separate current market report appears only if the financial, freshness, version, and score-aligned AI gates all pass.
- 01Does the property fall within the HUD geography and local program rules represented by this metro-level benchmark?
- 02What local inspection, occupancy, tax, insurance, and property-condition facts must be verified before underwriting?
- 03Is there enough current comparable inventory to support a market conclusion, or should the analysis remain property-specific?
Related market research
Source and freshness
HUD FMR source year: 2026. Normalized schedule updated June 23, 2026. Listing coverage last observed June 20, 2026. Cash Flow Gems revalidates this page daily and withholds it after a successful revalidation if the five-band HUD contract becomes incomplete or mixed.
Cash Flow Gems is for informational and educational purposes only. It is not financial, legal, tax, or investment advice.