FY2027 Small Area FMR · Rockford, IL

ZIP 61101 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 61101 (Rockford, IL) is $1,190 a month, up 1.7% from FY2026. That is 2% above the Rockford, IL area-wide FMR of $1,172.

2-bedroom SAFMR$1,190per month ▲ 1.7%

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

Rank in the area22ndof 43 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,071

2 BR Small Area FMR$1,190

110% of SAFMR$1,309

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

Studio$830▲ 2.5%

1 BR$910▲ 2.2%

2 BR$1,190▲ 1.7%

3 BR$1,570▲ 1.3%

4 BR$1,600▲ 0.6%

FY2027 FY2026

Where 61101 sits in the Rockford, IL area

Of the 43 ZIP codes HUD lists for the area, 61101 has the 22nd 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 $1,190 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	$830	$747 – $913	$816	$810
1 bedroom	$910	$819 – $1,001	$896	$890
2 bedrooms	$1,190	$1,071 – $1,309	$1,172	$1,170
3 bedrooms	$1,570	$1,413 – $1,727	$1,542	$1,550
4 bedrooms	$1,600	$1,440 – $1,760	$1,578	$1,590

A household renting a two-bedroom home at the Small Area FMR of $1,190 needs about $47,600 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 61101 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
61103	Rockford	3.1 mi	$1,110
61115	Machesney Park	6.3 mi	$1,300
61072	Rockton	6.7 mi	$1,200
61079	Shirland	7.2 mi	$1,070
61104	Rockford	7.3 mi	$1,060
61111	Loves Park	7.4 mi	$1,250

Questions

What is the Fair Market Rent for ZIP code 61101?

HUD's FY2027 Small Area Fair Market Rents for 61101 are $830 (studio), $910 (1 BR), $1,190 (2 BR), $1,570 (3 BR) and $1,600 (4 BR) a month.

What is the Section 8 payment standard in 61101?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 61101 that range is $1,071 to $1,309 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 61101?

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.