Location: Kansas City, MO | Metro: Kansas City, MO-KS HUD Metro FMR Area
Based on 1% Rule: A+ (≥1.5%) | A (≥1.2%) | B (≥1.0%) | C (≥0.8%) | D (≥0.6%) | F (<0.6%)
| Unit Size | Monthly FMR |
|---|---|
| Studio | $1,380 |
| 1 Bedroom | $1,500 |
| 2 Bedrooms | $1,700 |
| 3 Bedrooms | $2,220 |
| 4 Bedrooms | $2,660 |
| 5 Bedrooms | $3,086 |
| 6 Bedrooms | $3,456 |
| 7 Bedrooms | $3,732 |
| 8 Bedrooms | $3,919 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-07-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 1BR | $1,500 | $155,039 | 0.97% | C |
| 2BR | $1,700 | $261,987 | 0.65% | D |
U.S. Census Bureau data (2024)
The economics of Section 8 housing in ZIP code 64106, located in Kansas City, Missouri, within Jackson County, are straightforward. For a two-bedroom apartment, the SAFMR (Small Area Fair Market Rent) for fiscal year 2024 is set at $1300. This figure is specific to this ZIP code, reflecting localized rental market conditions.
Local market rents, as measured by ZORI (Zillow Observed Rent Index), stand at $2092. This indicates that landlords can typically charge more than the SAFMR if they choose not to participate in the Section 8 program.
A landlord who accepts a Section 8 voucher will receive a payment from the government that covers the difference between the tenant's contribution and the SAFMR. Tenants are required to pay 30% of their adjusted income towards rent. Assuming an average adjusted income of $1000 per month, the tenant would contribute approximately $300 towards rent.
In addition to the tenant’s portion, there are utility allowances which vary but are typically around $200-$300 for a two-bedroom unit. Therefore, the total reimbursement to the landlord would be the SAFMR of $1300 plus the tenant's contribution of $300, totaling $1600.
This means that a landlord participating in Section 8 in ZIP 64106 would face a reimbursement gap. Given the local market rent of $2092, the landlord would need to accept a reimbursement of $1600, leaving a shortfall of $492 per month.
To summarize, the SAFMR sets the maximum amount the government will reimburse for a two-bedroom apartment in ZIP 64106 at $1300. Adding the tenant’s contribution and utility allowances, the total reimbursement comes to about $1600. With the local market rent at $2092, landlords accepting vouchers must account for a monthly reimbursement gap of $492.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-07-31). Demographics from U.S. Census (2024).
About FMR: Fair Market Rent (FMR) is used to determine payment standards for the Section 8 Housing Choice Voucher program, initial renewal rents for some expiring project-based Section 8 contracts, and rent ceilings for HOME Investment Partnerships.