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    Average Rent in Cosby, MO (2026)

    The average 1-bedroom rent in Cosby, MO is $1,250/month as of 2026, based on HUD data across 1 ZIP codes. Rents have changed +5.9% year over year. Rents range from $1,250 to $1,250.

    Average Rent · 1-Bedroom

    $1,250/mo

    Source: HUD Fair Market Rent · 1 zip codes

    Year-over-Year

    ↑ +5.9%

    Source: HUD Fair Market Rent

    Data through

    The average 1-bedroom rent in Cosby, MO is $1,250/month according to HUD FY2026 Fair Market Rent data, covering 1 ZIP codes. Rents have increased 5.9% year-over-year. The average 1-bedroom rent in Cosby is 5% above the national average of $1,196/month.

    Average rent in Cosby, MO ranges from $1,250 to $1,250 across 1 ZIP codes.

    Based on HUD Fair Market Rent, a fair rent increase in Cosby, MO is approximately 5.9% for 2026. An increase above 5.9% exceeds the local market trend and may be worth negotiating.

    Key Facts

    Average 1-BR rent: $1,250/mo
    Year-over-year change: +5.9%
    Coverage: 1 ZIP codes
    Data source: HUD Small Area FMR FY2026
    vs. national avg: 5% above ($1,196/mo)

    Sources: HUD Fair Market Rent, HUD SAFMR, Rentcast. Updated October 2025.

    Market trend data is limited for this area. The analysis below uses federal rent benchmarks.

    How much is rent in Cosby, MO?

    The average 1-bedroom rent in Cosby, MO is $1,250/month as of 2026, based on HUD data across 1 ZIP codes. Rents across Cosby are relatively uniform, clustering around $1,250/month. To afford this at the 30% rule, a household would need approximately $50,000/year.

    Is rent going up in Cosby?

    Rents in Cosby have increased 5.9% year over year based on HUD Fair Market Rent. This is a notably high rate of increase, indicating strong upward rent pressure in Cosby.

    What is a fair rent increase in Cosby?

    Based on HUD Fair Market Rent, a rent increase around 5.9% is in line with the Cosby market for 2026. An increase above that level exceeds the local trend and may be worth pushing back on. Check your specific increase with RenewalReply's free rent analysis tool.

    What Should Rent Cost in Cosby?

    Typical rent ranges based on HUD benchmarks and market data. In areas with limited listing data, ranges reflect federal benchmarks and may be wider than actual market conditions.

    Studio$1,160 – $1,334

    A studio in Cosby typically rents for $1,160 – $1,334.

    Rents above $1,534 are in the top 25% for this area.

    1-Bedroom$1,250 – $1,658

    A 1-bedroom in Cosby typically rents for $1,250 – $1,658.

    Rents above $1,907 are in the top 25% for this area.

    2-Bedroom$1,620 – $1,863

    A 2-bedroom in Cosby typically rents for $1,620 – $1,863.

    Rents above $2,142 are in the top 25% for this area.

    3-Bedroom$2,050 – $2,358

    A 3-bedroom in Cosby typically rents for $2,050 – $2,358.

    Rents above $2,712 are in the top 25% for this area.

    4-Bedroom$2,360 – $2,714

    A 4-bedroom in Cosby typically rents for $2,360 – $2,714.

    Rents above $3,121 are in the top 25% for this area.

    Federal Rent Benchmarks for Cosby

    HUD Fair Market Rents are federal rent benchmarks published annually by HUD. They provide a consistent baseline for comparing rents across areas.

    Studio

    $1,160

    HUD Fair Market Rent

    1-Bedroom

    $1,250

    HUD Fair Market Rent

    2-Bedroom

    $1,620

    HUD Fair Market Rent

    3-Bedroom

    $2,050

    HUD Fair Market Rent

    4-Bedroom

    $2,360

    HUD Fair Market Rent

    Source: HUD SAFMR FY2026 · Updated

    Zip Codes in Cosby

    Click any zip code for detailed rent data including zip-specific SAFMR rates, nearby comparables, and a free rent increase check.

    HUD publishes a single Fair Market Rent for the entire St. Joseph, MO-KS MSA metro area. For zip-level variation, the tool uses additional data sources including real-time comparable listings and local market indices.

    64436

    All zip codes in Cosby share the same county-level HUD Fair Market Rent ($1,250 for 1-BR). Click any zip for SAFMR-specific rates.

    County-level FMR shown in city summary above.

    How Does Cosby Compare?

    Agency, MO
    $730/mo-42%
    Amazonia, MO
    $1,150/mo-8%
    Amity, MO
    $800/mo-36%
    Clarksdale, MO
    $860/mo-31%
    Dearborn, MO
    $980/mo-22%

    Questions about rent in Cosby

    What is the average 1-bedroom rent in Cosby, MO?

    The average 1-bedroom fair market rent in Cosby, MO is $1,250/month as of 2026, based on HUD rent data across 1 ZIP codes in the city. This is 5% above the national average of $1,196/month. Rents range from $1,250 to $1,250 depending on ZIP code.

    What is a fair rent increase in Cosby?

    A rent increase up to about 5.9% is broadly in line with the recent market trend in Cosby. Increases above that level are above trend and should be tested against neighborhood-level pricing and comparable rentals. The current average 1-BR rent is $1,250/month.

    Are rents going up or down in Cosby?

    Rents in Cosby have increased 5.9% year over year based on HUD Fair Market Rent. This reflects local market conditions across 1 ZIP codes in the St. Joseph, MO-KS MSA area.

    How much do rents vary across Cosby?

    1-bedroom rents across Cosby range from $1,250 to $1,250 on this page, a $0/month spread. This shows that rent can vary materially across ZIP codes within the same city, reflecting neighborhood-level differences in housing stock and demand.

    Can my landlord raise my rent in Cosby?

    We could not identify a city-specific rent cap for Cosby. Landlords must still follow applicable state and local notice rules before raising rent at lease renewal. Requirements vary — check your state's landlord-tenant statute for specifics on notice periods and timing.

    How much should I spend on rent in Cosby?

    The general guideline is to spend no more than 30% of your gross income on rent. With average 1-bedroom rent in Cosby at $1,250/month, a household would need approximately $50,000/year in gross income to afford this comfortably. Many renters in high-cost areas spend above this threshold — our free tool can help you assess whether your specific rent is fair for your ZIP code.

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    Market data updated monthly from public and third-party sources. Actual rents vary by unit, building, and lease terms. For informational purposes only — not legal or financial advice. See methodology →