Income Limits by County

HUD Metro FMR Area · 6 counties

Chicago-Joliet-Naperville, IL Fair Market Rent & Income Limits

For FY2027 HUD set the two-bedroom Fair Market Rent for the Chicago-Joliet-Naperville, IL area at $2,011 a month, up 12.9% from FY2026. The FY2026 median family income is $121,500. The same figures apply in all 6 counties of the area.

2-bedroom FMR$2,011per month ▲ 12.9%
Median family income$121,500FY2026
People in the area8,357,645HUD file, 2024

Fair Market Rent by unit size

FY2027 FY2026

Check your household

Enter your household size and total yearly income before taxes to see which HUD income category it falls in for Chicago-Joliet-Naperville, IL.

Low income (80% limit)

A household of 4 earning $95,200 is under the 80% limit of $97,200 for this area. At 30% of income it could pay about $2,380 a month for rent and utilities.

This is a quick comparison with HUD's published limits, not an eligibility decision. Programs count income in their own ways and many have waiting lists; the local housing agency or property decides.

Income limits

FY2026 income limits by household size (yearly gross income)
PeopleExtremely low30% / povertyVery low50%60% (LIHTC)MTSPLow income80%
1$25,550$42,550$51,060$68,050
2$29,200$48,600$58,320$77,800
3$32,850$54,700$65,640$87,500
4$36,450$60,750$72,900$97,200
5$39,400$65,650$78,780$105,000
6$44,360$70,500$84,600$112,800
7$50,040$75,350$90,420$120,550
8$55,720$80,200$96,240$128,350

HERA Special area. Tax-credit properties placed in service before 2009 may use HUD's higher HERA hold-harmless 60% limits here: $76,740 for four people, against the regular $72,900.

Two-bedroom FMR since 2001

2-bedroom Fair Market Rent, 2001 to 2027$0$400$800$1,200$1,600$2,000$2,400200520102015202020252027$2,011FY2001: $848FY2002: $891FY2003: $928FY2004: $951FY2005: $906FY2006: $901FY2007: $935FY2008: $944FY2009: $1,004FY2010: $1,015FY2011: $1,016FY2012: $958FY2013: $966FY2014: $979FY2015: $1,093FY2016: $1,176FY2017: $1,232FY2018: $1,180FY2019: $1,212FY2020: $1,248FY2021: $1,299FY2022: $1,340FY2023: $1,440FY2024: $1,714FY2025: $1,761FY2026: $1,781FY2027: $2,011

Counties in the area

CountyPeople2 BR FMR
Cook County, IL5,182,090$2,011
DuPage County, IL930,024$2,011
Lake County, IL714,223$2,011
Will County, IL701,462$2,011
Kane County, IL517,255$2,011
McHenry County, IL312,591$2,011

Small Area FMRs across 370 ZIP codes

Two-bedroom Small Area FMRs in the Chicago-Joliet-Naperville, IL area run from $1,060 to $3,030; the middle ZIP code is at $2,010, against the area-wide FMR of $2,011. This is a mandatory Small Area FMR area (designated 2016, in force since 4/1/2018): voucher payment standards follow the ZIP-code figures.

$1,060$3,030median $2,010

Highest ZIP codes

60585 (Plainfield, IL)$3,030
60010 (Barrington, IL)$3,020
60015 (Deerfield, IL)$3,020
60021 (Fox River Grove, IL)$3,020
60053 (Morton Grove, IL)$3,020
60069 (Lincolnshire, IL)$3,020
60091 (Wilmette, IL)$3,020
60175 (Saint Charles, IL)$3,020

Lowest ZIP codes

61012 (Capron, IL)$1,060
60141 (Hines, IL)$1,100
60950 (Manteno, IL)$1,260
61038 (Garden Prairie, IL)$1,310
60523 (Oak Brook, IL)$1,380
60935 (Essex, IL)$1,410
60475 (Steger, IL)$1,430
60468 (Peotone, IL)$1,430

Questions

What is the Fair Market Rent in the Chicago-Joliet-Naperville, IL area?

HUD's FY2027 Fair Market Rents for the Chicago-Joliet-Naperville, IL area are $1,678 (studio), $1,780 (1 BR), $2,011 (2 BR), $2,586 (3 BR) and $2,954 (4 BR) a month.

What is the area median income for Chicago-Joliet-Naperville, IL?

The FY2026 median family income is $121,500; the 80% low-income limit for four people is $97,200.

Which counties are in this HUD metro area?

Cook County, IL, DuPage County, IL, Lake County, IL, Will County, IL, Kane County, IL and McHenry County, IL.