Renting · Section 8
Data from November 2026
Renting in Polk County, Missouri
Polk County has a HUD fair market rent of $962 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $814 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $18.50 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $962
- a month, HUD, Fiscal year 2027
- 23% less than in Missouri
- Typical rent
- $814
- a month, Census, Average 2020–2024
- 21% less than in Missouri
- Wage needed
- $18.50
- an hour, 2 bedrooms
- Or $38,480 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 46%
- spend 30% or more of income on rent
- 1% more than in Missouri
Only here
Renting in Polk County: what sets it apart
What this place has that others do not, from public data, most unusual first.
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Among the neighboring counties, St. Clair County has the lowest typical rent ($622), 24% below the $814 in Polk County.
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13% of households in Polk County have no internet at home, against 8% in Missouri.
Sources: U.S. Census Bureau (Average 2020–2024).
Fair market rent
What HUD sets for each size
Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Polk County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.
The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)
According to Zillow (ZORI), the typical asking rent in Polk County was $1,038 a month in September 2026. It is an index of market listings, not a HUD limit. Zillow data
| Size | Fair rent per month | Hourly wage | Income needed per year |
|---|---|---|---|
| Studio | $773 | $14.87 | $30,920 |
| 1 bedroom | $778 | $14.96 | $31,120 |
| 2 bedrooms | $962 | $18.50 | $38,480 |
| 3 bedrooms | $1,330 | $25.58 | $53,200 |
| 4 bedrooms | $1,516 | $29.15 | $60,640 |
HUD area: Polk County, MO HUD Metro FMR Area. Source: HUD, Fiscal year 2027
By ZIP code
The fair market rent for your ZIP code
HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 20 ZIP codes in Polk County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $960 in 65601 to $1,140 in 65725. 11 ZIP codes are above the county's fair market rent ($962).
Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)
| 65601 | Cedar County, MO | $750 | $780 | $960 | $1,300 | $1,550 |
|---|---|---|---|---|---|---|
| 65601 | Dade County, MO | $750 | $780 | $960 | $1,300 | $1,550 |
| 65601 | Polk County, MO | $750 | $780 | $960 | $1,300 | $1,550 |
| 65613 | Polk County, MO | $790 | $790 | $980 | $1,360 | $1,540 |
| 65617 | Polk County, MO | $880 | $890 | $1,090 | $1,510 | $1,730 |
| 65617 | Springfield, MO | $880 | $890 | $1,090 | $1,510 | $1,730 |
| 65640 | Cedar County, MO | $810 | $820 | $1,020 | $1,420 | $1,590 |
| 65640 | Polk County, MO | $810 | $820 | $1,020 | $1,420 | $1,590 |
| 65649 | Cedar County, MO | $880 | $890 | $1,110 | $1,540 | $1,740 |
| 65649 | Polk County, MO | $880 | $890 | $1,110 | $1,540 | $1,740 |
| 65663 | Polk County, MO | $770 | $780 | $960 | $1,330 | $1,520 |
| 65674 | Cedar County, MO | $750 | $770 | $960 | $1,320 | $1,490 |
| 65674 | Hickory County, MO | $750 | $770 | $960 | $1,320 | $1,490 |
| 65674 | Polk County, MO | $750 | $770 | $960 | $1,320 | $1,490 |
| 65674 | St. Clair County, MO | $750 | $770 | $960 | $1,320 | $1,490 |
| 65710 | Polk County, MO | $770 | $780 | $960 | $1,330 | $1,520 |
| 65725 | Polk County, MO | $920 | $930 | $1,140 | $1,580 | $1,800 |
| 65725 | Springfield, MO | $920 | $930 | $1,140 | $1,580 | $1,800 |
| 65727 | Hickory County, MO | $780 | $790 | $970 | $1,340 | $1,530 |
| 65727 | Polk County, MO | $780 | $790 | $970 | $1,340 | $1,530 |
- 65601 · Cedar County, MO $960$1,300
- 65601 · Dade County, MO $960$1,300
- 65601 · Polk County, MO $960$1,300
- 65613 · Polk County, MO $980$1,360
- 65617 · Polk County, MO $1,090$1,510
- 65617 · Springfield, MO $1,090$1,510
- 65640 · Cedar County, MO $1,020$1,420
- 65640 · Polk County, MO $1,020$1,420
- 65649 · Cedar County, MO $1,110$1,540
- 65649 · Polk County, MO $1,110$1,540
- 65663 · Polk County, MO $960$1,330
- 65674 · Cedar County, MO $960$1,320
- 65674 · Hickory County, MO $960$1,320
- 65674 · Polk County, MO $960$1,320
- 65674 · St. Clair County, MO $960$1,320
- 65710 · Polk County, MO $960$1,330
- 65725 · Polk County, MO $1,140$1,580
- 65725 · Springfield, MO $1,140$1,580
- 65727 · Hickory County, MO $970$1,340
- 65727 · Polk County, MO $970$1,340
Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)
Rent burden
How many households spend too much
HUD counts rent as a burden when it reaches 30% of income or more. In Polk County, 46% of renter households are in that position; in Missouri, 46%, and nationwide, 51% (Average 2020–2024, Census).
Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.
46%
of renter households spend 30% or more of their income on rent.
3,423 households rent in Polk County
- Spend half or more of their income 16%
- Spend 30% or more, but less than half 30%
- Spend less than 30% 54%
Compared with the state and the country
- Polk 46%
- Missouri 46%
- United States 51%
Low-income apartments
Low-income apartments in Polk County
HUD lists 10 properties with homes for low-income households in Polk County: tax-credit apartments (LIHTC). They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 10
205 homes in all; 205 of them low-income, according to HUD.
- Frisco Senior Village Tax credit (LIHTC) 300 S Oakland Ave, Bolivar 65613 42 low-income homes · 1 bd: 14 · 2 bd: 28 · In service since 2020 · For older adults
- Bolivar Plaza Apts (BOLIVAR) Tax credit (LIHTC) 411 Maple St, Bolivar 65613 32 low-income homes · 2 bd: 32 · In service since 2000
- Garden Villas Apts Tax credit (LIHTC) 2255 S Pike Ave, Bolivar 65613 28 low-income homes · 2 bd: 28 · In service since 2006 · For older adults
- Simon Place Tax credit (LIHTC) 2300 Mesa Dr, Bolivar 65613 28 low-income homes · 3 bd: 27 · 4 bd: 1 · In service since 2009 · For people with disabilities, families
- Bolivar Heights Apts BLDGS Tax credit (LIHTC) 1855 E Division St, Bolivar 65613 24 low-income homes · 1 bd: 4 · 2 bd: 20 · In service since 1987
- Ashton Heights Apts Tax credit (LIHTC) 910 E Lindon St, Bolivar 65613 20 low-income homes · 1 bd: 20 · In service since 1990
- Monarch Estates Tax credit (LIHTC) 930 E Walnut St, Bolivar 65613 19 low-income homes · 3 bd: 24 · In service since 2012 · For families
- Southtown Tax credit (LIHTC) 1860 S Hartford Ave, Bolivar 65613 12 low-income homes · 3 bd: 12 · In service since 2000
- Aldrich Creek Estates Tax credit (LIHTC) 1800 S Baron Dr, Bolivar 65613 2 bd: 28 · 3 bd: 18 · In service since 2016 · For families
- Rose Park Estates Tax credit (LIHTC) 403 E Summit St, Bolivar 65613 1 bd: 64 · 2 bd: 12 · In service since 2016
Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.
Section 8
The Section 8 voucher in Polk County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. A public housing agency runs it. HUD lists none with an office in Polk County; the state's agencies can help you. Here is what the rules say:
The rules, with their source
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You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD
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Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)
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Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)
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If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)
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When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508
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Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)
| People | Extremely low (30%) | Very low (50%) | Low |
|---|---|---|---|
| 1 person | $16,900 | $28,150 | $45,000 |
| 2 people | $21,640 | $32,150 | $51,400 |
| 3 people | $27,320 | $36,150 | $57,850 |
| 4 people | $33,000 | $40,150 | $64,250 |
| 5 people | $38,680 | $43,400 | $69,400 |
| 6 people | $44,360 | $46,600 | $74,550 |
| 7 people | $49,800 | $49,800 | $79,700 |
| 8 people | $53,000 | $53,000 | $84,850 |
Area median income: $80,300. HUD income limits by family size, Fiscal year 2026. Area: Polk County, MO HUD Metro FMR Area. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $696 – $850
- 1 bedroom $700 – $856
- 2 bedrooms $866 – $1,058
- 3 bedrooms $1,197 – $1,463
- 4 bedrooms $1,364 – $1,668
The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.
Housing agencies that serve this place
HUD lists no housing agency with an office in Polk County. You can apply at another agency in your state: you do not have to live where you apply. Source: HUD
Your rights as a tenant in Missouri
What Missouri law says about deposits, notices and eviction, with the citation for each rule.
See your rights, rule by ruleCompare these rules with other states →
A summary of state law, not legal advice. Cities may have additional rules.
- How much can they charge for a deposit?
- Up to 2 months of rent
- Mo. Rev. Stat. §535.300.1
- When must they return my deposit?
- 30 days
- Mo. Rev. Stat. §535.300.3
- Only a court order can remove youMo. Rev. Stat. §441.233.1
- Repair and deduct from the rentMo. Rev. Stat. §441.234.1-.2
Help
Where to get help with rent in Polk County
This is the nearest HUD-approved agency. They counsel for free or at low cost.
-
Cambridge Credit Counseling Corporation - Springfield Branch
1515 S Glenstone Ave, Springfield · 31 miles away · Spanish
Also serves in Polish.
- Mortgage delinquency and default
- Budget and financial counseling
- and 4 more
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Polk County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.
Count power on top of the rent: in Missouri, the average home bill was $129 a month in 2024 (EIA). See electricity and gas costs
Your move
We use the place's fair market rent and the state's deposit rule.
Adjust advanced details
Let's do the math
Cash to move in
$1,924
What you need before you get the keys.
What adds up
- First month
- $962
- Security deposit
- $962
- Total
- $1,924
When you'll have it
Enter what you can set aside each month to see how long it takes.
What helps
- Ask for a receipt for every payment and keep a copy of the lease.
- On move-in day, walk through the home and take dated photos.
- Never send money for a home you haven't seen or a lease you haven't read.
This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.
Frequently asked questions
What is the fair market rent in Polk County?
According to HUD (Fiscal year 2027): Studio: $773; 1 bedroom: $778; 2 bedrooms: $962; 3 bedrooms: $1,330; 4 bedrooms: $1,516. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Polk County?
Paying the 2-bedroom fair market rent ($962) without spending more than 30% of income takes $18.50 an hour full time, or $38,480 a year.
Who qualifies for Section 8 in Polk County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $40,150 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.
How much does Section 8 pay in Polk County?
The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $866 and $1,058 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Polk County?
For 2 bedrooms they run from $960 in 65601 to $1,140 in 65725. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.
How many low-income apartments are there in Polk County?
HUD lists 10 properties with homes for low-income households in Polk County: tax-credit apartments (LIHTC). They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.
How many households spend too much on rent in Polk County?
HUD counts rent as a burden when it reaches 30% of income or more. In Polk County, 46% of renter households are in that position; in Missouri, 46%, and nationwide, 51% (Average 2020–2024, Census).