FY2027 Small Area FMR · Galt, IL

ZIP 61037 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 61037 (Galt, IL) is $930 a month, up 1.1% from FY2026. That is 2% below the Whiteside County, IL area-wide FMR of $945.

2-bedroom SAFMR$930per month ▲ 1.1%

Area-wide 2 BR FMR$945Whiteside County, IL

Rank in the area15thof 18 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$837

2 BR Small Area FMR$930

110% of SAFMR$1,023

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

Studio$680▲ 1.5%

1 BR$740▲ 2.8%

2 BR$930▲ 1.1%

3 BR$1,220▲ 0.8%

4 BR$1,230▲ 0.8%

FY2027 FY2026

Where 61037 sits in the Whiteside County, IL area

Of the 18 ZIP codes HUD lists for the area, 61037 has the 15th highest two-bedroom Small Area FMR. Whiteside County, IL is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $945 for two bedrooms; an agency that opts in to Small Area FMRs would use $930 for this ZIP code instead.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$680	$612 – $748	$696	$670
1 bedroom	$740	$666 – $814	$755	$720
2 bedrooms	$930	$837 – $1,023	$945	$920
3 bedrooms	$1,220	$1,098 – $1,342	$1,237	$1,210
4 bedrooms	$1,230	$1,107 – $1,353	$1,242	$1,220

A household renting a two-bedroom home at the Small Area FMR of $930 needs about $37,200 a year to keep housing costs at 30% of income. The area median family income is $90,900 and the 80% low-income limit for four people is $72,700. ZIP code 61037 lies mainly in Whiteside County. See the Whiteside County, IL county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
61081	Sterling	3.2 mi	$930
61071	Rock Falls	5.5 mi	$960
61261	Lyndon	8.9 mi	$1,330
61270	Morrison	10.8 mi	$1,070
61042	Harmon	12.4 mi	$930
61243	Deer Grove	12.4 mi	$1,040

Questions

What is the Fair Market Rent for ZIP code 61037?

HUD's FY2027 Small Area Fair Market Rents for 61037 are $680 (studio), $740 (1 BR), $930 (2 BR), $1,220 (3 BR) and $1,230 (4 BR) a month.

What is the Section 8 payment standard in 61037?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 61037 that range is $837 to $1,023 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 61037?

The FY2026 income limits of the Whiteside County, IL area apply: median family income $90,900, low-income (80%) limit $72,700 for a family of four.