St. Joseph, MO-KS MSA · FY2026 area median income $91,800 · effective May 1, 2026
Check whether a deal here pencils →| Unit | 20% | 30% | 40% | 50% | 60% | 70% | 80% |
|---|---|---|---|---|---|---|---|
| Studio | $321 | $481 | $642 | $802 | $963 | $1,123 | $1,284 |
| 1BR | $344 | $516 | $688 | $860 | $1,032 | $1,204 | $1,376 |
| 2BR | $413 | $619 | $826 | $1,032 | $1,239 | $1,445 | $1,652 |
| 3BR | $477 | $715 | $954 | $1,192 | $1,431 | $1,669 | $1,908 |
| 4BR | $532 | $798 | $1,064 | $1,330 | $1,596 | $1,862 | $2,128 |
Gross rent includes utilities. Subtract the utility allowance for the rent you can charge.
| Household | 30% | 50% | 60% | 80% |
|---|---|---|---|---|
| 1 person | $19,260 | $32,100 | $38,520 | $51,360 |
| 2 persons | $22,020 | $36,700 | $44,040 | $58,720 |
| 3 persons | $24,780 | $41,300 | $49,560 | $66,080 |
| 4 persons | $27,510 | $45,850 | $55,020 | $73,360 |
| 5 persons | $29,730 | $49,550 | $59,460 | $79,280 |
| 6 persons | $31,920 | $53,200 | $63,840 | $85,120 |
| 7 persons | $34,140 | $56,900 | $68,280 | $91,040 |
| 8 persons | $36,330 | $60,550 | $72,660 | $96,880 |
Rents are capped at 30% of the income limit for an imputed household of 1.5 persons per bedroom, so a two-bedroom unit uses the three-person limit. Under the average income test, units can be designated from 20% to 80% AMI as long as the weighted average stays at or below 60%.
Run a deal in Doniphan County to see the sources and uses, bond test, DSCR, and funding gap using these rents.