Kanas City Guide To Rental Vouchers For Real Estate Investors [2025 Edition]

Many landlords are leveraging vouchers to secure stable rental income in markets across the US, including Kansas City. In this article, we’ll explore the basics of rental vouchers and how investors can strategically incorporate this approach in their own investments.

To begin, it’s important to understand the key distinctions between tenant types:

A market-rate tenant pays rent without financial assistance
A voucher tenant receives rental subsidies from a third party

The most well-known voucher program, Section 8, provides rental assistance through vouchers funded by the U.S. Department of Housing and Urban Development (HUD) and distributed by local agencies. Kansas City has multiple Section 8 programs operated by various offices across the KC metro, the largest being Housing Authority of Kansas City (HAKC).

Each Section 8 program can look a little different.

Some require the landlord to include utilities in the rent while others have the tenant paying utilities. Additionally some programs require tenants to cover a portion while other programs pay the landlord 100% of the rent each month based on eligibility.

Other voucher programs in Kansas City include charitable programs such as Save Inc, ReStart and Truman Medical, that receive part or all of their funding through a combination of private donation and local, state or federal grants.

Many of these programs operate on a “master lease” basis and move their tenants in and out as needed while the landlord is assured of receiving rent every month regardless of the occupancy.

These programs typically operate on two year agreements with landlords referred to as “MOU’s” or Memorandum of Understanding.

While stable, it is still important to vet the program you work with as programs have occasionally lost funding leaving landlords with non paying tenants. These programs typically use the same FMR calculations that Section 8 utilizes but some voucher programs will pay up to 120% of FMR.

But how does HUD determine the appropriate rental payment for a unit?

To prevent overpayment, HUD establishes Fair Market Rents (FMR), which estimates reasonable rent levels for specific areas.

In 2025, significant changes were made to the FMR calculation, impacting how rental assistance is allocated.

What’s changing for rental vouchers in 2025?

Previously, FMRs were set for entire metro areas. For example, Kansas City had a single FMR for a two-bedroom unit.
Starting in 2025, each zip code will have its own FMR, making the system more localized. This means different rates by unit type and zip code rather than by unit type for the entire metro.

How will these changes impact voucher strategies?

If you use vouchers, your rates might change in 2025, depending on your location in the metro and the funding source for that voucher
Some vouchers, like those from Restart, may have fixed voucher rates based on multi-year grants and those won’t be affected by these 2025 changes.
It is very important to know the FMR for the zip code your property is in and if your rate is going up or down in 2025

How do I calculate voucher rates for 2025?

Voucher Payment Calculation:

Voucher Payment = Fair Market Rent (FMR) × Payment Standard Percentage (90% – 120%)

Fair Market Rent (FMR): Determined annually by HUD at the zip code level.
Payment Standard Percentage: Usually ranges from 90% to 120%, depending on the voucher program.

What are the voucher rates for 2025 in Kansas City?

First, you’ll need the Fair Market Rent of the rental unit. Then multiply the FMR by the rate (90% – 120%) for your particular program. The FMR by zip code for Kansas City for 2025 is below. For a complete list of each zip code’s 2025 FMR rate click here. Scroll all the way to the bottom of the page to choose a new Metro Area.

Kansas City, MO-KS HUD Metro FMR Area Small Area FMRs By Unit Bedrooms [2025]
ZIP Code	Efficiency	One-Bedroom	Two-Bedroom	Three-Bedroom	Four-Bedroom
64001	$890	$990	$1,140	$1,490	$1,740
64011	$890	$990	$1,140	$1,490	$1,740
64012	$1,160	$1,270	$1,450	$1,890	$2,240
64013	$1,020	$1,130	$1,280	$1,670	$1,980
64014	$1,110	$1,220	$1,390	$1,810	$2,150
64015	$1,040	$1,140	$1,300	$1,700	$2,010
64016	$930	$1,020	$1,160	$1,510	$1,790
64017	$890	$990	$1,140	$1,490	$1,740
64018	$1,160	$1,270	$1,450	$1,890	$2,240
64020	$890	$990	$1,140	$1,490	$1,740
64021	$1,000	$1,100	$1,250	$1,630	$1,930
64022	$890	$990	$1,140	$1,490	$1,740
64024	$890	$990	$1,140	$1,490	$1,740
64028	$1,230	$1,360	$1,540	$2,010	$2,380
64029	$1,170	$1,280	$1,460	$1,900	$2,250
64030	$890	$990	$1,140	$1,490	$1,740
64034	$1,570	$1,730	$1,970	$2,570	$3,040
64035	$1,010	$1,110	$1,270	$1,660	$1,960
64036	$890	$990	$1,140	$1,490	$1,740
64037	$890	$990	$1,140	$1,490	$1,740
64040	$890	$990	$1,140	$1,490	$1,740
64048	$960	$1,060	$1,200	$1,570	$1,850
64050	$890	$990	$1,140	$1,490	$1,740
64051	$1,020	$1,130	$1,280	$1,670	$1,980
64052	$970	$1,060	$1,210	$1,580	$1,870
64053	$890	$990	$1,140	$1,490	$1,740
64054	$980	$1,080	$1,230	$1,600	$1,900
64055	$970	$1,060	$1,210	$1,580	$1,870
64056	$1,090	$1,200	$1,360	$1,770	$2,100
64057	$1,040	$1,140	$1,300	$1,700	$2,010
64058	$1,030	$1,130	$1,290	$1,680	$1,990
64060	$1,100	$1,210	$1,380	$1,800	$2,130
64061	$890	$990	$1,140	$1,490	$1,740
64062	$1,020	$1,130	$1,280	$1,670	$1,980
64063	$1,050	$1,150	$1,310	$1,710	$2,020
64064	$1,210	$1,330	$1,510	$1,970	$2,330
64065	$1,240	$1,370	$1,560	$2,030	$2,400
64066	$940	$1,040	$1,180	$1,540	$1,820
64067	$890	$990	$1,140	$1,490	$1,740
64068	$980	$1,080	$1,230	$1,600	$1,900
64069	$1,070	$1,180	$1,340	$1,750	$2,070
64070	$1,060	$1,170	$1,330	$1,740	$2,060
64071	$890	$990	$1,140	$1,490	$1,740
64072	$900	$990	$1,140	$1,490	$1,740
64073	$1,070	$1,180	$1,340	$1,750	$2,070
64074	$1,580	$1,740	$1,980	$2,580	$3,060
64075	$890	$990	$1,140	$1,490	$1,740
64076	$890	$990	$1,140	$1,490	$1,740
64077	$910	$1,000	$1,140	$1,490	$1,760
64078	$1,030	$1,130	$1,290	$1,680	$1,990
64079	$1,250	$1,380	$1,570	$2,050	$2,420
64080	$1,000	$1,110	$1,260	$1,640	$1,940
64081	$1,140	$1,260	$1,430	$1,870	$2,210
64082	$1,600	$1,760	$2,000	$2,610	$3,090
64083	$1,230	$1,350	$1,540	$2,010	$2,380
64084	$890	$990	$1,140	$1,490	$1,740
64085	$890	$990	$1,140	$1,490	$1,740
64086	$1,120	$1,230	$1,400	$1,830	$2,160
64088	$940	$1,040	$1,180	$1,540	$1,820
64089	$990	$1,090	$1,240	$1,620	$1,910
64090	$970	$1,070	$1,210	$1,590	$1,880
64092	$1,230	$1,350	$1,540	$2,000	$2,370
64093	$890	$990	$1,140	$1,490	$1,740
64096	$890	$990	$1,140	$1,490	$1,740
64097	$890	$990	$1,140	$1,490	$1,740
64098	$980	$1,080	$1,230	$1,600	$1,900
64101	$1,020	$1,130	$1,280	$1,670	$1,980
64102	$1,020	$1,130	$1,280	$1,670	$1,980
64105	$1,450	$1,600	$1,820	$2,370	$2,810
64106	$1,170	$1,290	$1,470	$1,920	$2,270
64108	$1,480	$1,630	$1,850	$2,410	$2,860
64109	$890	$990	$1,140	$1,490	$1,740
64110	$1,050	$1,150	$1,310	$1,710	$2,020
64111	$1,230	$1,350	$1,540	$2,010	$2,380
64112	$1,260	$1,390	$1,580	$2,060	$2,440
64113	$1,260	$1,390	$1,580	$2,060	$2,440
64114	$1,240	$1,360	$1,550	$2,020	$2,390
64116	$1,000	$1,100	$1,250	$1,630	$1,930
64117	$960	$1,060	$1,200	$1,570	$1,850
64118	$1,050	$1,150	$1,310	$1,710	$2,020
64119	$1,130	$1,250	$1,420	$1,850	$2,190
64120	$1,000	$1,100	$1,250	$1,630	$1,930
64121	$1,020	$1,130	$1,280	$1,670	$1,980
64123	$900	$990	$1,140	$1,490	$1,740
64124	$890	$990	$1,140	$1,490	$1,740
64125	$890	$990	$1,140	$1,490	$1,740
64126	$890	$990	$1,140	$1,490	$1,740
64127	$890	$990	$1,140	$1,490	$1,740
64128	$890	$990	$1,140	$1,490	$1,740
64129	$900	$990	$1,140	$1,490	$1,740
64130	$930	$1,020	$1,160	$1,510	$1,790
64131	$1,080	$1,190	$1,350	$1,760	$2,080
64132	$920	$1,010	$1,150	$1,500	$1,780
64133	$950	$1,050	$1,190	$1,550	$1,840
64134	$1,140	$1,260	$1,430	$1,870	$2,210
64136	$1,250	$1,370	$1,560	$2,040	$2,410
64137	$1,050	$1,150	$1,310	$1,710	$2,020
64138	$990	$1,090	$1,240	$1,620	$1,910
64139	$1,360	$1,500	$1,710	$2,230	$2,640
64141	$1,020	$1,130	$1,280	$1,670	$1,980
64144	$1,070	$1,180	$1,340	$1,750	$2,070
64145	$1,270	$1,400	$1,590	$2,070	$2,450
64146	$1,240	$1,360	$1,550	$2,020	$2,390
64147	$890	$990	$1,140	$1,490	$1,740
64148	$1,020	$1,130	$1,280	$1,670	$1,980
64149	$1,290	$1,420	$1,610	$2,110	$2,490
64150	$890	$990	$1,140	$1,490	$1,740
64151	$1,170	$1,290	$1,470	$1,920	$2,270
64152	$1,110	$1,220	$1,390	$1,810	$2,150
64153	$1,150	$1,270	$1,440	$1,880	$2,220
64154	$1,250	$1,370	$1,560	$2,040	$2,410
64155	$1,200	$1,320	$1,500	$1,960	$2,320
64156	$1,320	$1,450	$1,650	$2,150	$2,550
64157	$1,610	$1,780	$2,020	$2,640	$3,120
64158	$1,260	$1,390	$1,580	$2,060	$2,440
64161	$1,280	$1,410	$1,600	$2,090	$2,470
64163	$890	$990	$1,140	$1,490	$1,740
64164	$940	$1,040	$1,180	$1,540	$1,820
64165	$1,130	$1,240	$1,410	$1,850	$2,180
64166	$1,130	$1,240	$1,420	$1,850	$2,190
64167	$1,230	$1,360	$1,550	$2,020	$2,390
64168	$1,150	$1,270	$1,440	$1,880	$2,220
64170	$1,020	$1,130	$1,280	$1,670	$1,980
64171	$1,020	$1,130	$1,280	$1,670	$1,980
64188	$1,070	$1,180	$1,340	$1,750	$2,070
64190	$1,150	$1,270	$1,440	$1,880	$2,220
64192	$1,020	$1,130	$1,280	$1,670	$1,980
64197	$1,020	$1,130	$1,280	$1,670	$1,980
64198	$1,020	$1,130	$1,280	$1,670	$1,980
64429	$900	$990	$1,200	$1,550	$1,790
64439	$890	$990	$1,140	$1,490	$1,740
64440	$890	$990	$1,140	$1,490	$1,740
64444	$890	$990	$1,140	$1,490	$1,740
64454	$890	$990	$1,140	$1,490	$1,740
64465	$890	$990	$1,140	$1,490	$1,740
64474	$890	$990	$1,140	$1,490	$1,740
64477	$890	$990	$1,140	$1,490	$1,740
64484	$890	$990	$1,140	$1,490	$1,740
64490	$890	$990	$1,140	$1,490	$1,740
64492	$890	$990	$1,140	$1,490	$1,740
64493	$990	$1,090	$1,240	$1,620	$1,910
64624	$890	$990	$1,140	$1,490	$1,740
64625	$890	$990	$1,140	$1,490	$1,740
64637	$890	$990	$1,140	$1,490	$1,740
64644	$890	$990	$1,140	$1,490	$1,740
64649	$890	$990	$1,140	$1,490	$1,740
64650	$890	$990	$1,140	$1,490	$1,740
64668	$890	$990	$1,140	$1,490	$1,740
64671	$890	$990	$1,140	$1,490	$1,740
64701	$900	$990	$1,140	$1,490	$1,740
64720	$890	$990	$1,140	$1,490	$1,740
64725	$950	$1,040	$1,190	$1,550	$1,840
64734	$1,100	$1,210	$1,380	$1,800	$2,130
64739	$890	$990	$1,140	$1,490	$1,740
64742	$890	$990	$1,140	$1,490	$1,740
64743	$910	$1,000	$1,140	$1,490	$1,760
64746	$900	$990	$1,140	$1,490	$1,740
64747	$890	$990	$1,140	$1,490	$1,740
64999	$1,020	$1,130	$1,280	$1,670	$1,980
65321	$890	$990	$1,140	$1,490	$1,740
65327	$890	$990	$1,140	$1,490	$1,740
65351	$890	$990	$1,140	$1,490	$1,740
66002	$890	$990	$1,140	$1,490	$1,740
66007	$1,060	$1,170	$1,330	$1,740	$2,050
66010	$890	$990	$1,140	$1,490	$1,740
66012	$1,060	$1,170	$1,330	$1,740	$2,050
66013	$1,280	$1,410	$1,610	$2,100	$2,480
66014	$890	$990	$1,140	$1,490	$1,740
66018	$910	$1,000	$1,140	$1,490	$1,760
66019	$1,210	$1,340	$1,520	$1,980	$2,350
66020	$890	$990	$1,140	$1,490	$1,740
66021	$1,030	$1,140	$1,300	$1,700	$2,020
66025	$1,070	$1,200	$1,430	$2,000	$2,400
66026	$910	$1,010	$1,140	$1,490	$1,760
66027	$1,610	$1,780	$2,020	$2,640	$3,120
66030	$1,180	$1,300	$1,480	$1,930	$2,280
66031	$1,060	$1,170	$1,330	$1,730	$2,050
66033	$890	$990	$1,140	$1,490	$1,740
66036	$1,010	$1,120	$1,270	$1,660	$1,960
66039	$890	$990	$1,140	$1,490	$1,740
66040	$890	$990	$1,140	$1,490	$1,740
66042	$890	$990	$1,140	$1,490	$1,740
66043	$1,090	$1,200	$1,360	$1,770	$2,100
66044	$890	$990	$1,140	$1,510	$1,810
66048	$890	$990	$1,140	$1,490	$1,740
66051	$1,210	$1,340	$1,520	$1,980	$2,350
66052	$1,000	$1,110	$1,280	$1,700	$2,020
66053	$1,350	$1,490	$1,690	$2,200	$2,610
66054	$890	$990	$1,140	$1,490	$1,740
66056	$890	$990	$1,140	$1,490	$1,740
66061	$970	$1,070	$1,220	$1,590	$1,880
66062	$1,210	$1,340	$1,520	$1,980	$2,350
66063	$1,210	$1,340	$1,520	$1,980	$2,350
66064	$890	$990	$1,140	$1,490	$1,740
66071	$920	$1,010	$1,150	$1,500	$1,780
66072	$1,090	$1,200	$1,360	$1,770	$2,100
66075	$890	$990	$1,140	$1,490	$1,740
66079	$890	$990	$1,140	$1,490	$1,740
66083	$1,010	$1,120	$1,270	$1,660	$1,960
66085	$1,610	$1,780	$2,020	$2,640	$3,120
66086	$1,060	$1,170	$1,330	$1,730	$2,050
66092	$1,000	$1,020	$1,300	$1,600	$1,850
66097	$890	$990	$1,140	$1,490	$1,740
66101	$890	$990	$1,140	$1,490	$1,740
66102	$930	$1,020	$1,160	$1,510	$1,790
66103	$1,040	$1,140	$1,300	$1,700	$2,010
66104	$960	$1,060	$1,200	$1,570	$1,850
66105	$890	$990	$1,140	$1,490	$1,740
66106	$940	$1,040	$1,180	$1,540	$1,820
66109	$1,490	$1,640	$1,870	$2,440	$2,890
66110	$990	$1,090	$1,240	$1,620	$1,910
66111	$1,010	$1,110	$1,260	$1,640	$1,950
66112	$1,000	$1,100	$1,250	$1,630	$1,930
66115	$990	$1,090	$1,240	$1,620	$1,910
66117	$990	$1,090	$1,240	$1,620	$1,910
66118	$990	$1,090	$1,240	$1,620	$1,910
66119	$990	$1,090	$1,240	$1,620	$1,910
66160	$990	$1,090	$1,240	$1,620	$1,910
66201	$1,210	$1,340	$1,520	$1,980	$2,350
66202	$1,050	$1,160	$1,320	$1,720	$2,040
66203	$1,040	$1,140	$1,300	$1,700	$2,010
66204	$1,140	$1,260	$1,430	$1,870	$2,210
66205	$1,320	$1,460	$1,660	$2,170	$2,560
66206	$1,610	$1,780	$2,020	$2,640	$3,120
66207	$1,610	$1,780	$2,020	$2,640	$3,120
66208	$1,550	$1,710	$1,940	$2,530	$2,990
66209	$1,250	$1,380	$1,570	$2,050	$2,420
66210	$1,360	$1,490	$1,700	$2,220	$2,620
66211	$1,330	$1,470	$1,670	$2,180	$2,580
66212	$1,250	$1,370	$1,560	$2,040	$2,410
66213	$1,500	$1,650	$1,880	$2,450	$2,900
66214	$970	$1,070	$1,220	$1,590	$1,880
66215	$1,240	$1,360	$1,550	$2,020	$2,390
66216	$1,130	$1,240	$1,410	$1,840	$2,180
66217	$1,150	$1,270	$1,440	$1,880	$2,220
66218	$1,570	$1,730	$1,970	$2,570	$3,040
66219	$1,290	$1,420	$1,620	$2,110	$2,500
66220	$1,240	$1,360	$1,550	$2,020	$2,390
66221	$1,430	$1,570	$1,790	$2,340	$2,760
66223	$1,450	$1,600	$1,820	$2,370	$2,810
66224	$1,550	$1,710	$1,940	$2,530	$2,990
66225	$1,210	$1,340	$1,520	$1,980	$2,350
66226	$1,170	$1,280	$1,460	$1,900	$2,250
66227	$1,590	$1,750	$1,990	$2,600	$3,070
66250	$1,210	$1,340	$1,520	$1,980	$2,350
66251	$1,320	$1,460	$1,660	$2,170	$2,560
66276	$1,210	$1,340	$1,520	$1,980	$2,350
66282	$1,210	$1,340	$1,520	$1,980	$2,350
66283	$1,210	$1,340	$1,520	$1,980	$2,350
66285	$1,210	$1,340	$1,520	$1,980	$2,350
66286	$1,210	$1,340	$1,520	$1,980	$2,350
66716	$890	$990	$1,140	$1,490	$1,740
66738	$890	$990	$1,140	$1,490	$1,740
66754	$890	$990	$1,290	$1,550	$1,840
66767	$890	$990	$1,140	$1,490	$1,740

Keep in mind that voucher rates can vary from 90-120% of FMR. For a complete list of each zip code’s 2025 FMR rate click here.

We hope this helps clarify voucher programs in general and the upcoming FMR changes. If you have any questions or need further information, feel free to reach out. Utilizing voucher programs can be a great strategy with certain types of properties in Kansas City.

Kanas City Guide To Rental Vouchers For Real Estate Investors [2025 Edition]

Lutz Sales + Investments

Related posts

Commercial Properties In Kansas City

Apartment Buildings: Scaling Your Investment Portfolio in Kansas City

Fourplexes: The Hidden Gem of Kansas City Real Estate