What is the Fair Market Rent for a 2-bedroom in St. Louis, MO-IL HUD Metro FMR Area?

The HUD Fair Market Rent for a 2-bedroom unit in St. Louis, MO-IL HUD Metro FMR Area is $1,218 per month for fiscal year 2026. The studio FMR is $955, 1-bedroom is $995, 3-bedroom is $1,568, and 4-bedroom is $1,812.

What income do you need to afford the FMR in St. Louis, MO-IL HUD Metro FMR Area?

Using the standard 30%-of-income affordability rule, a household would need to earn about $48,720 per year ($4,060 per month) to afford the FY2026 2-bedroom Fair Market Rent of $1,218 in St. Louis, MO-IL HUD Metro FMR Area.

FY2026 Fair Market Rents — St. Louis, MO-IL HUD Metro FMR Area

The HUD-published Fair Market Rents for FY2026 in this area are:

Studio

$955

1BR

$995

2BR

$1,218

3BR

$1,568

4BR

$1,812

Hours/week at min wage

63 hrs

to afford the 2BR FMR @ $15.00/hr (IL)

National rank

#346

of 661 U.S. metros (top 53% most expensive)

YoY change (2BR)

+0.2%

+$3 vs FY2025 · 5-yr +29.9%

Voucher payment standard

$1,096–$1,340

PHAs set HCV payment at 90–110% of the 2BR FMR

St. Louis, MO-IL HUD Metro FMR Area

Metropolitan area · IL · View full history · Income limits · LIHTC rents

FY2026 Fair Market Rents

Bedroom Size	Monthly FMR	Annual Equivalent
Efficiency (Studio)	$955	$11,460
1-Bedroom	$995	$11,940
2-Bedroom	$1,218	$14,616
3-Bedroom	$1,568	$18,816
4-Bedroom	$1,812	$21,744

Recent 2-Bedroom FMR Trend

FY2020 $905 → FY2026 $1,218

Fiscal Year	Studio	1BR	2BR	3BR	4BR
FY2026	$955	$995	$1,218	$1,568	$1,812
FY2025	$951	$984	$1,215	$1,570	$1,806
FY2024	$928	$972	$1,209	$1,565	$1,818
FY2023	$748	$795	$999	$1,294	$1,512
FY2022	$689	$745	$947	$1,230	$1,449
FY2021	$671	$731	$938	$1,224	$1,440
FY2020	$633	$701	$905	$1,185	$1,395

View full FMR history back to FY2000 →

FY2026 Income Limits

Area Median Income (AMI): $113,500

AMI Level	1p	2p	3p	4p	5p	6p
30% AMI (Extremely Low)	$23,850	$27,250	$30,650	$34,050	$38,680	$44,360
50% AMI (Very Low)	$39,750	$45,400	$51,100	$56,750	$61,300	$65,850
80% AMI (Low)	$63,600	$72,650	$81,750	$90,800	$98,100	$105,350

Full income limits table (all 8 household sizes) →

Affordability Snapshot

2BR Annual FMR

$14,616/yr

FMR as % of Area Median Income

12.9% of AMI

Under 30% — affordable at median income

Income Needed (30% rule, 2BR)

$48,720/yr

$4,060/mo gross income

FY2026 LIHTC Maximum Rents

Maximum gross rents for Low-Income Housing Tax Credit units, by income band. Full LIHTC details →

AMI Band	Studio	1BR	2BR	3BR	4BR
50% AMI Maximum	$993	$1,135	$1,276	$1,532	$1,645
60% AMI Maximum	$1,191	$1,362	$1,532	$1,838	$1,974

FY2026 HOME Program Rent Limits

Maximum rents for HOME Investment Partnerships–funded units. High HOME rents apply to most assisted units; Low HOME rents apply to the lowest-income set-aside units. Full HOME rent details →

Limit Type	Studio	1BR	2BR	3BR	4BR
High HOME Rent	$955	$995	$1,218	$1,568	$1,812
Low HOME Rent	$993	$1,135	$1,277	$1,418	$1,532

Compare St. Louis, MO-IL HUD Metro FMR Area With Other IL Metros

vs. Bloomington, IL HUD Metro FMR Area vs. Bloomington, IL MSA vs. Bond County, IL HUD Metro FMR Area vs. Cape Girardeau, MO-IL MSA vs. Champaign-Urbana, IL MSA

Counties in This FMR Area

Calhoun County Clinton County Jersey County Madison County Monroe County St. Clair County Sullivan part Franklin County Jefferson County Lincoln County St. Charles County St. Louis County Warren County St. Louis city