Location: Bates County, 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 | $1,130 |
| 1 Bedroom | $1,220 |
| 2 Bedrooms | $1,390 |
| 3 Bedrooms | $1,820 |
| 4 Bedrooms | $2,190 |
| 5 Bedrooms | $2,540 |
| 6 Bedrooms | $2,845 |
| 7 Bedrooms | $3,073 |
| 8 Bedrooms | $3,227 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,390 | $214,600 | 0.65% | D |
| 3BR | $1,820 | $281,656 | 0.65% | D |
U.S. Census Bureau data (2024)
To integrate ZIP 64725, located in Archie, Missouri, into a Section 8 portfolio strategy, it's important to consider its financial metrics and how they align with investment goals. ZIP 64725 is best suited as a cash-flow anchor.
The Fair Market Rent (FMR) for ZIP 64725 in fiscal year 2024 is set at $1110, while the current market rent stands at $1,185. This indicates that properties in this area can be rented out slightly above the FMR, providing a modest cash flow cushion for landlords. The median home value in ZIP 64725 is $291,292, which suggests that the housing stock is relatively affordable, making it easier for landlords to acquire properties without a significant capital outlay.
A cash-flow anchor property is one that provides steady and predictable rental income. Given that the FMR is $1110 and the market rent is $1,185, there is a $75 spread per unit, allowing landlords to generate consistent positive cash flow. This spread ensures that landlords can cover their mortgage payments, maintenance costs, and other expenses related to property ownership while still maintaining profitability.
The appreciation potential in ZIP 64725 is limited due to the lack of significant price growth trends. There is no specific percentage given for price-cut shares or days on the market (DOM), indicating that the real estate market here is stable but not highly speculative. Therefore, it does not serve as an appreciation play where investors might expect rapid increases in property values.
ZIP 64725 also offers some diversification benefits. With a renter share of 18.5%, it means that there is a moderate demand for rental properties, which helps stabilize the market. Additionally, the median income of $84,722 is sufficient to support a mix of homeowners and renters, ensuring a balanced tenant pool. However, this diversification is secondary to its role as a cash-flow anchor.
In summary, ZIP 64725 is ideal as a cash-flow anchor within a Section 8 portfolio strategy due to its manageable median home value and the positive spread between FMR and market rents. Landlords can rely on this area to provide steady income, making it a reliable component of their overall investment plan.
Data Sources: FMR data from HUD (2027). Median home prices from Zillow (2026-08-31). 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.