County FMR · HUD FY2026
Howard County Fair Market Rent
HUD's FY2026 Fair Market Rent for Howard County, MO - 17% below the US average.
- $796
- 1-bedroom FMR
- $1,044
- 2-bedroom FMR
- +14.5%
- YoY change
- -17%
- vs US avg
The verdict
Howard is the 25th most expensive of 116 counties in Missouri by 2-bedroom FMR; rent here has climbed 14.5% since FY 2025, a sharp move relative to most counties.
- #25
- most expensive of 116 in Missouri (2BR)
- +2%
- vs the state average
- $31,840
- income to afford it (30% rule)
- +14.5%
- YoY, FY2025→2026
Software Developers spend the smallest share of income on rent here (8.3%), while Teaching Assistants, Except Postsecondary spend the most (32.9%).
FY 2026 HUD Fair Market Rent for Howard County, MO. Verify with HUD →
Howard County, Missouri carries an FY 2026 1-bedroom Fair Market Rent of $796 per month, the federal benchmark HUD publishes for this county. A 2-bedroom costs $1,044/mo and a studio is $720/mo. That's 17% below the national benchmark of $959 and 2% above the Missouri average of $777.
Rent increased14.5% from FY 2025 ($695), outpacing inflation. To afford rent here, a household needs at least $31,840/year based on the 30% affordability rule.
FY 2026 HUD Fair Market Rents in Missouri. Population: 10,142. Population has held roughly steady over the past five years (+0.3%, Census ACS). That's in line with Missouri's statewide growth of +1.3% over the same period.
What these rents mean for Howard County
The Howard County FMR area applies to all ZIP codes inside the county boundary, and Missouri's housing authorities use it as the baseline for Section 8 Housing Choice Voucher payment standards. See how FMR is calculated for the full 40th-percentile methodology and payment-standard rules.
Compared to the rest of the country, a 1-bedroom here is 17% below the US average of $959 and 2% higher than the Missouri state average of $777. The 1-bedroom FMR went from$695 in FY 2025 to $796 in FY 2026 - a change of +14.5%, which outpaces typical consumer inflation.
At the FY 2026 1-bedroom FMR of $796, affording it under the 30%-of-income rule takes $31,840 per year (about $2,653/month) in household income, and a 2-bedroom at $1,044 pushes that threshold even higher. With a population of 10,142 and a county median household income of $62,628, the arithmetic here directly shapes which wage earners can rent without being cost-burdened.
Fair Market Rents (2026)
Year-over-Year Comparison
| Bedrooms | FY 2025 | FY 2026 | Change |
|---|---|---|---|
| Studio | $625 | $720 | +$95 (+15.2%) |
| 1 Bedroom | $695 | $796 | +$101 (+14.5%) |
| 2 Bedroom | $912 | $1,044 | +$132 (+14.5%) |
| 3 Bedroom | $1,099 | $1,252 | +$153 (+13.9%) |
| 4 Bedroom | $1,214 | $1,382 | +$168 (+13.8%) |
Affordability Snapshot
Based on the standard that rent should not exceed 30% of gross income:
Rent Burden Analysis
How much of household income goes to rent in Howard County. The 30% threshold indicates cost burden.
How we calculate this
Rent burden = (FMR × 12) ÷ county median household income. Required income = (FMR × 12) ÷ 0.3, the federal 30%-of-gross-income rule HUD uses to define cost burden. Median household income is from the U.S. Census Bureau's American Community Survey; FMR is from HUD's FY2026 release. See methodology.
Howard County 2-bedroom rent burden
Where Howard sits among every US county
2-bedroom Fair Market Rent vs. all 3,145 HUD counties
$1,044 higher than 52% of 3,145 counties
Each bar is a $0.2K-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Department of Housing and Urban Development, Fair Market Rents · FY2026
How Howard compares on 1-bedroom rent
1-bedroom FMR vs other Missouri counties
- Jackson
Jackson County
$1,197 1BR FMR / mo
- Clay
Clay County
$1,197 1BR FMR / mo
- St. Louis
St. Louis County
$995 1BR FMR / mo
- St. Charles
St. Charles County
$995 1BR FMR / mo
- St. Louis city
St. Louis city
$995 1BR FMR / mo
- Greene
Greene County
$883 1BR FMR / mo
- Howard
Howard County
$796 1BR FMR / mo
What this shows Howard is highlighted. Nearby Missouri counties by 1-bedroom FMR, highest to lowest: Jackson County ($1,197), Clay County ($1,197), St. Louis County ($995), St. Charles County ($995), St. Louis city ($995), Greene County ($883), Howard County (this county) ($796).
Can Common Jobs Afford Rent Here?
How a 1-bedroom at $796/mo compares to Missouri salaries for popular occupations (BLS wage data, 30%-of-income rule).
| Occupation | MO Salary | Rent Burden | Verdict |
|---|---|---|---|
| Software Developers | $114,550 | 8.3% | Affordable |
| Registered Nurses | $79,770 | 12% | Affordable |
| General & Operations Managers | $77,410 | 12.3% | Affordable |
| Accountants & Auditors | $73,210 | 13% | Affordable |
| Electricians | $70,950 | 13.5% | Affordable |
| Police & Sheriff's Patrol Officers | $60,720 | 15.7% | Affordable |
| Paralegals & Legal Assistants | $58,730 | 16.3% | Affordable |
| Heavy & Tractor-Trailer Truck Drivers | $50,540 | 18.9% | Affordable |
| Elementary School Teachers | $48,250 | 19.8% | Affordable |
| Customer Service Representatives | $41,850 | 22.8% | Affordable |
| Pharmacy Technicians | $37,990 | 25.1% | Affordable |
| Janitors & Cleaners | $34,080 | 28% | Affordable |
| Retail Salespersons | $31,250 | 30.6% | Stretched |
| Fast Food & Counter Workers | $29,310 | 32.6% | Stretched |
| Teaching Assistants | $29,060 | 32.9% | Stretched |
Rent Trends (2020–2026)
7-year Fair Market Rent history for Howard County. Shows how HUD rental rates have changed over time.
Over the 6-year span HUD has tracked for Howard (FY 2020-2026), the 1-bedroom Fair Market Rent has risen 51.3% overall, from $526 to $796. Most of that movement was gradual except for a single sharp jump of +14.5% in FY 2026, well above this county's typical year-to-year change.
| Year | Studio | 1 BR | 2 BR |
|---|---|---|---|
| FY 2026 ↑14.5% | $720 | $796 | $1,044 |
| FY 2025 ↑5.9% | $625 | $695 | $912 |
| FY 2024 ↑10.1% | $584 | $656 | $862 |
| FY 2023 ↑13.7% | $556 | $596 | $785 |
| FY 2022 ↑0.0% | $516 | $524 | $689 |
| FY 2021 ↓0.4% | $521 | $524 | $691 |
| FY 2020 | $523 | $526 | $693 |
Part of the Columbia, MO Metro Area
Howard County is a outlying county of the Columbia, MO metropolitan statistical area, alongside 2 other metro-area counties.
Howard County ranks #2 of 3 counties in this metro area by 1-bedroom FMR. Every county sharing this metro, highest to lowest: Boone County ($1,011), Howard County (this county) ($796), Cooper County ($730).
Nearby Counties in Missouri
Largest counties by population in Missouri
Frequently Asked Questions
What is the average rent in Howard County? ▼
How does Howard County rent compare to the national average? ▼
What income do I need to afford rent in Howard County? ▼
Is rent going up or down in Howard County? ▼
Which jobs can afford rent in Howard County? ▼
How much has rent changed in Howard County over time? ▼
How does Fair Market Rent affect Section 8 vouchers in Howard County? ▼
What does Fair Market Rent mean for Howard County? ▼
What this means for renters
Treat Howard's FY2026 Fair Market Rent as HUD's affordability benchmark, not a market quote.
- Budget to roughly 30% of income: the FY2026 1-bedroom FMR of $796 implies about $31,840/yr to rent without being cost-burdened. Run your numbers
- Compare this county against nearby metros and states before signing a lease. Compare areas
- See where it sits on the national rent map. View rankings
Fair Market Rent is HUD's 40th-percentile policy benchmark used to set Housing Choice Voucher payment standards. Actual asking rents in Howard can run higher or lower, and HUD updates FMRs once a year. This page is informational and not financial or relocation advice.
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the U.S. Census Bureau and HUD Fair Market Rents. Consult a qualified professional before making decisions based on this data.
Every figure on PlainRent is rendered directly from HUD's published Fair Market Rent records, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of FY 2026.