Metro FMR · CBSA 41140 · HUD FY2026

St. Joseph, MO-KS MSA Fair Market Rent

HUD's FY2026 Fair Market Rent for the St. Joseph, MO-KS MSA metro area - 13% below the US average.

$832
1-bedroom FMR
$1,077
2-bedroom FMR
+5.4%
YoY change
-13%
vs US avg

The verdict

A 2-bedroom in the St. Joseph, MO-KS MSA area rents at $1,077 under HUD's FY2026 Fair Market Rent - 8% below the US average, lower than 86% of the 387 metro areas HUD tracks.

#55
most affordable of 387 US metros (2BR)
-8%
vs the US 2-bedroom average
$43,080
income to afford it (30% rule)
+5.4%
1BR change, FY2025→2026

Affordability & income context

St. Joseph: #55 most affordable nationally · income context

At the metro's ACS median household income of $62,900, this 1-bedroom FMR takes 15.9% of annual income. It is well below the 30% affordability guide for a median-income household.

The 2-bedroom figure places St. Joseph in the lower-rent quarter of HUD metro areas, using the same FY2026 HUD schedule as the national comparison.

With 121,952 residents, this is a smaller-metro benchmark rather than a single-neighborhood rent quote.

Its 2-bedroom FMR sits in the lower-rent quarter of HUD metro areas, so the local-income comparison is more informative than the national rank alone.

The studio-through-two-bedroom FMR bands stay below 30% of recorded median income here; the larger-bedroom rows show where that headroom narrows.

Observed renter burden: 42.8% of the 14,875 renter households counted by ACS paid at least 30% of income in gross rent. This ACS 2023 household measure is distinct from the FY2026 HUD FMR benchmark.

ACS median household income lags the FY2026 HUD FMR schedule. The income share is a same-metro cross-source read (Census ACS B19013 vs HUD FMR), not a same-vintage ratio.

Studio

$774/mo

14.8% of median income

1 Bedroom

$832/mo

15.9% of median income

2 Bedroom

$1,077/mo

20.5% of median income

3 Bedroom

$1,363/mo

26.0% of median income

4 Bedroom

$1,566/mo

29.9% of median income

FMR filing desk

CBSA CBSA·41140

St. Joseph: $832/mo 1BR · #55 of 387 metros (2BR) · FY2026 CBSA 41140

  • CBSA 41140
  • 1BR-FMR $832
  • 2BR-FMR $1,077
  • RANK-MID #55
  • YOY-SURGE +5.4%
  • VSUS-BELOW -13%
  • IN-ST-LOW #3 MO
  • INC-ROOM 16%
  • POP-MID 122K
  • PHOTO-NEAR Callaway County
  • VOUCH-90-110 $749–$915
  • FY-2026 FY2026

Photo-finish peer: Callaway County ($38 1BR gap)

Read with: Understanding rent trends

Where St. Joseph sits among every US metro

2-bedroom Fair Market Rent vs. all 387 HUD metro areas

$1,077 higher than 14% of 387 metro areas

$800–$1,000: 28 metro areas (7%). Below this entry. $1,000–$1,200: 114 metro areas (29%). This entry sits in this band. $1,200–$1,400: 95 metro areas (25%). Above this entry. $1,400–$1,600: 52 metro areas (13%). Above this entry. $1,600–$1,800: 41 metro areas (11%). Above this entry. $1,800–$2,000: 26 metro areas (7%). Above this entry. $2,000–$2,200: 9 metro areas (2%). Above this entry. $2,200–$2,400: 5 metro areas (1%). Above this entry. $2,400–$2,600: 5 metro areas (1%). Above this entry. $2,600–$2,800: 5 metro areas (1%). Above this entry. $2,800–$3,000: 4 metro areas (1%). Above this entry. $3,000–$3,200: 2 metro areas (1%). Above this entry. $3,200–$3,400: 0 metro areas (0%). Above this entry. $3,400–$3,600: 0 metro areas (0%). Above this entry. $3,600–$3,800: 0 metro areas (0%). Above this entry. $3,800–$4,000: 0 metro areas (0%). Above this entry. $4,000–$4,200: 0 metro areas (0%). Above this entry. $4,200–$4,400: 1 metro areas (0%). Above this entry. This metro $800 $4,400 every US metro, bucketed by value

Each bar is a $0.2K-wide band; taller bars hold more metro areas. 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

CBSA 41140

Counties inside St. Joseph

Across 4 HUD counties in CBSA 41140, 2-bedroom FMRs cluster tightly ($1,077–$1,077, 0% spread), so the metro-wide schedule tracks most constituent counties closely.

Buchanan County 2BR $1,077 · 85K Andrew County 2BR $1,077 · 18K DeKalb County 2BR $1,077 · 12K Doniphan County 2BR $1,077 · 8K

St. Joseph studio–4BR schedule (FY2026) · 2BR #55 most affordable

1BR $832 (-13% vs US, +5.4% YoY). Each bedroom band below is FY2026 HUD FMR for CBSA 41140.

Studio
$774
US avg $893
↑9.0% YoY -13% vs US
1 Bedroom
$832
US avg $959
↑5.4% YoY -13% vs US
2 Bedroom
$1,077
US avg $1,175
↑4.1% YoY -8% vs US
3 Bedroom
$1,363
US avg $1,525
↑3.7% YoY -11% vs US
4 Bedroom
$1,566
US avg $1,756
↑6.4% YoY -11% vs US

How St. Joseph compares on 1-bedroom rent

1-bedroom FMR vs other MO metro areas

1BR FMR / mo

What this shows St. Joseph highlighted among 5 peers · FY2026 1BR HUD FMR.

Source U.S. Department of Housing and Urban Development (HUD) As of FY2026

St. Joseph: out-of-state FMR & burden peers

PlainRent pairs St. Joseph with the 4 nearest HUD 2BR schedules and 4 nearest burden matches outside MO (burden peers exclude the FMR set; pop ≥50k).

2BR FMR · outside MO

Nearest schedules by 2BR delta (FY2026).

Dubuque
IA · 2 BR $1,077/mo
Toledo
OH · 2 BR $1,076/mo
Casper
WY · 2 BR $1,082/mo
Mobile
AL · 2 BR $1,083/mo

Burden % · outside MO

Nearest 2BR FMR ÷ ACS median income (FY2026).

Houma-Bayou Cane-Thibodaux
LA · 20.6% of income · 2 BR $1,102/mo
Lawrence
KS · 20.6% of income · 2 BR $1,182/mo
Utica-Rome
NY · 20.4% of income · 2 BR $1,172/mo
Flint
MI · 20.4% of income · 2 BR $1,033/mo

St. Joseph: quick answers

What is the average rent in the St. Joseph, MO-KS MSA metro area? ▼
The FY 2026 Fair Market Rent for a 1-bedroom in St. Joseph, MO-KS MSA is $832 per month. A 2-bedroom is $1,077 and a studio is $774.
How does St. Joseph, MO-KS MSA rent compare to the national average? ▼
Rent in the St. Joseph, MO-KS MSA metro area is 13% below the national average. A 1-bedroom costs $832 compared to $959 nationally.
Where does St. Joseph rank nationally for Fair Market Rent? ▼
HUD's FY 2026 2-bedroom FMR of $1,077 ranks #55 most affordable among 387 US metro areas (the lower-rent quarter of HUD metro areas).
Do county rents differ inside the St. Joseph metro area? ▼
Yes. HUD assigns one metro-wide FMR for CBSA 41140, but 4 constituent counties publish their own county FMR schedules spanning $1,077–$1,077 for a 2-bedroom (0% spread). Use county pages for filing at the county level.

Compare St. Joseph vs Callaway County →

Data as of FY 2026. Source: U.S. Department of Housing and Urban Development (HUD) Fair Market Rents. Population and demographic data from U.S. Census Bureau American Community Survey (ACS).

Read our methodology - how this data is sourced, computed, and verified.

FY 2026 HUD FMR $832/mo · 1BR MO

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.