FY2027 Small Area FMR · Crystal Lake, IL

ZIP 60039 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 60039 (Crystal Lake, IL) is $1,920 a month, up 11.6% from FY2026. That is 5% below the Chicago-Joliet-Naperville, IL area-wide FMR of $2,011.

2-bedroom SAFMR$1,920per month ▲ 11.6%

Area-wide 2 BR FMR$2,011Chicago-Joliet-Naperville, I

Rank in the area246thof 370 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,728

2 BR Small Area FMR$1,920

110% of SAFMR$2,112

Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.

Studio$1,600▲ 11.9%

1 BR$1,700▲ 11.1%

2 BR$1,920▲ 11.6%

3 BR$2,470▲ 11.8%

4 BR$2,820▲ 10.2%

FY2027 FY2026

Where 60039 sits in the Chicago-Joliet-Naperville, IL area

Of the 370 ZIP codes HUD lists for the area, 60039 has the 246th highest two-bedroom Small Area FMR. Chicago-Joliet-Naperville, IL is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2016), so local housing agencies must set payment standards from this ZIP code's figure, normally between $1,728 and $2,112 for two bedrooms.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,600	$1,440 – $1,760	$1,678	$1,430
1 bedroom	$1,700	$1,530 – $1,870	$1,780	$1,530
2 bedrooms	$1,920	$1,728 – $2,112	$2,011	$1,720
3 bedrooms	$2,470	$2,223 – $2,717	$2,586	$2,210
4 bedrooms	$2,820	$2,538 – $3,102	$2,954	$2,560

A household renting a two-bedroom home at the Small Area FMR of $1,920 needs about $76,800 a year to keep housing costs at 30% of income. The area median family income is $121,500 and the 80% low-income limit for four people is $97,200. ZIP code 60039 lies mainly in McHenry County. See the Chicago-Joliet-Naperville, IL metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
60098	Woodstock	0.4 mi	$1,670
60097	Wonder Lake	6.4 mi	$1,870
60180	Union	7.8 mi	$1,780
60012	Crystal Lake	7.9 mi	$2,190
60050	Mchenry	8.0 mi	$2,100
60014	Crystal Lake	9.0 mi	$1,990

Questions

What is the Fair Market Rent for ZIP code 60039?

HUD's FY2027 Small Area Fair Market Rents for 60039 are $1,600 (studio), $1,700 (1 BR), $1,920 (2 BR), $2,470 (3 BR) and $2,820 (4 BR) a month.

What is the Section 8 payment standard in 60039?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 60039 that range is $1,728 to $2,112 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 60039?

The FY2026 income limits of the Chicago-Joliet-Naperville, IL area apply: median family income $121,500, low-income (80%) limit $97,200 for a family of four.