small, and for some reason it's colder in winter there than it seems to be in the rest of the state.

You might try the "send a message" feature to contact the bishops of the two wards there to see if there are any members who rent to students--I have a vague recollection of hearing people who had just finished medical training there talking about that with people who were about to go to school there (i.e., overhearing a conversation in our ward hallways like, "Oh, you're going to Kirksville? You should talk to so-and-so. She likes renting to students.").