FY2027 Small Area FMR · Seward, IL

ZIP 61077 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 61077 (Seward, IL) is $1,280 a month, down 2.3% from FY2026. That is 9% above the Rockford, IL area-wide FMR of $1,172.

2-bedroom SAFMR$1,280per month ▼ 2.3%

Area-wide 2 BR FMR$1,172Rockford, IL

Rank in the area11thof 43 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,152

2 BR Small Area FMR$1,280

110% of SAFMR$1,408

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

Studio$890▼ 2.2%

1 BR$980▼ 2.0%

2 BR$1,280▼ 2.3%

3 BR$1,680▼ 2.3%

4 BR$1,750▼ 2.2%

FY2027 FY2026

Where 61077 sits in the Rockford, IL area

Of the 43 ZIP codes HUD lists for the area, 61077 has the 11th highest two-bedroom Small Area FMR. Rockford, 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 $1,172 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,280 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	$890	$801 – $979	$816	$910
1 bedroom	$980	$882 – $1,078	$896	$1,000
2 bedrooms	$1,280	$1,152 – $1,408	$1,172	$1,310
3 bedrooms	$1,680	$1,512 – $1,848	$1,542	$1,720
4 bedrooms	$1,750	$1,575 – $1,925	$1,578	$1,790

A household renting a two-bedroom home at the Small Area FMR of $1,280 needs about $51,200 a year to keep housing costs at 30% of income. The area median family income is $89,400 and the 80% low-income limit for four people is $71,750. ZIP code 61077 lies mainly in Winnebago County. See the Rockford, IL metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
61088	Winnebago	5.3 mi	$1,280
61063	Pecatonica	5.7 mi	$1,280
61039	German Valley	6.0 mi	$1,060
61047	Leaf River	6.2 mi	$1,280
61067	Ridott	7.7 mi	$930
61010	Byron	8.4 mi	$1,140

Questions

What is the Fair Market Rent for ZIP code 61077?

HUD's FY2027 Small Area Fair Market Rents for 61077 are $890 (studio), $980 (1 BR), $1,280 (2 BR), $1,680 (3 BR) and $1,750 (4 BR) a month.

What is the Section 8 payment standard in 61077?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 61077 that range is $1,152 to $1,408 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 61077?

The FY2026 income limits of the Rockford, IL area apply: median family income $89,400, low-income (80%) limit $71,750 for a family of four.