Location: Pettis County, MO | Metro: Benton County, MO
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 | $730 |
| 1 Bedroom | $780 |
| 2 Bedrooms | $1,020 |
| 3 Bedrooms | $1,340 |
| 4 Bedrooms | $1,460 |
| 5 Bedrooms | $1,694 |
| 6 Bedrooms | $1,897 |
| 7 Bedrooms | $2,049 |
| 8 Bedrooms | $2,151 |
Zillow median home prices vs Section 8 FMR rates (Data: 2026-08-31)
| Bedrooms | Monthly FMR | Median Price | 1% Rule | Grade |
|---|---|---|---|---|
| 2BR | $1,020 | $117,416 | 0.87% | C |
| 3BR | $1,340 | $192,147 | 0.7% | D |
| 4BR | $1,460 | $237,264 | 0.62% | D |
U.S. Census Bureau data (2024)
The real estate market in Windsor, Missouri (ZIP 65360) presents a nuanced scenario for landlords and small-portfolio investors. With a median home value of $178,245, the area reflects a stable housing price environment. However, the recent trend of only 0.2% of listings reducing their prices indicates a strong seller's market. This suggests that homeowners have pricing power, and any slight adjustments in asking prices are likely to be upward rather than downward.
The median Days on Market (DOM) being listed as N/A could imply either an exceptionally quick turnover of properties or a data limitation. Given the context of pricing power, it is reasonable to infer that properties are selling relatively quickly, which further supports the notion of a robust market where demand meets or exceeds supply. This dynamic can bolster confidence among sellers and potentially lead to sustained higher prices.
On the rental side, the upcoming Federal Market Rent (FMR) for the metro area in fiscal year 2026 is projected at $900. Currently, the market rent stands at $825 according to Census ACS data. The gap between the current market rate and the anticipated FMR signals potential upward pressure on rents, aligning with the broader trend of increasing property values. Landlords should prepare for a scenario where they can gradually increase rents to meet the rising FMR without significantly impacting occupancy rates.
For long-term investors, the setup implies a realistic appreciation thesis based on the interplay between housing prices and rental income. As the area maintains its stable median home value while rents rise, the overall investment climate becomes more favorable. Property values are likely to remain steady or grow slightly, driven by the rental market dynamics and the limited supply of homes willing to reduce prices.
In conclusion, the current market conditions in Windsor, Missouri, favor those who are looking to hold onto their investments. The combination of a stable median home value, a slight reduction in listings lowering their prices, and the expected growth in rental market rates points towards a resilient market. Investors can expect a consistent return on their investments through rental income and modest property value appreciation.
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.