FY2027 Small Area FMR · Stockton, IL

ZIP 61085 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 61085 (Stockton, IL) is $1,040 a month, up 2.0% from FY2026. That is 8% above the Jo Daviess County, IL area-wide FMR of $959.

2-bedroom SAFMR$1,040per month ▲ 2.0%

Area-wide 2 BR FMR$959Jo Daviess County, IL

Rank in the area5thof 15 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$936

2 BR Small Area FMR$1,040

110% of SAFMR$1,144

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

Studio$720▲ 2.9%

1 BR$850■ 0.0%

2 BR$1,040▲ 2.0%

3 BR$1,440▲ 5.9%

4 BR$1,450▲ 6.6%

FY2027 FY2026

Where 61085 sits in the Jo Daviess County, IL area

Of the 15 ZIP codes HUD lists for the area, 61085 has the 5th highest two-bedroom Small Area FMR. Jo Daviess 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 $959 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,040 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	$720	$648 – $792	$668	$700
1 bedroom	$850	$765 – $935	$783	$850
2 bedrooms	$1,040	$936 – $1,144	$959	$1,020
3 bedrooms	$1,440	$1,296 – $1,584	$1,328	$1,360
4 bedrooms	$1,450	$1,305 – $1,595	$1,336	$1,360

A household renting a two-bedroom home at the Small Area FMR of $1,040 needs about $41,600 a year to keep housing costs at 30% of income. The area median family income is $99,600 and the 80% low-income limit for four people is $79,700. ZIP code 61085 lies mainly in Jo Daviess County. See the Jo Daviess County, IL county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
61044	Kent	6.2 mi	$960
61028	Elizabeth	7.9 mi	$1,060
61059	Nora	9.0 mi	$1,320
61001	Apple River	9.4 mi	$1,280
61087	Warren	9.8 mi	$930
61048	Lena	10.1 mi	$930

Questions

What is the Fair Market Rent for ZIP code 61085?

HUD's FY2027 Small Area Fair Market Rents for 61085 are $720 (studio), $850 (1 BR), $1,040 (2 BR), $1,440 (3 BR) and $1,450 (4 BR) a month.

What is the Section 8 payment standard in 61085?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 61085 that range is $936 to $1,144 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 61085?

The FY2026 income limits of the Jo Daviess County, IL area apply: median family income $99,600, low-income (80%) limit $79,700 for a family of four.