FY2027 Small Area FMR · Rockford, IL

ZIP 61103 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 61103 (Rockford, IL) is $1,110 a month, unchanged from FY2026. That is 5% below the Rockford, IL area-wide FMR of $1,172.

2-bedroom SAFMR$1,110per month ■ 0.0%

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

Rank in the area32ndof 43 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$999

2 BR Small Area FMR$1,110

110% of SAFMR$1,221

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

Studio$770■ 0.0%

1 BR$850■ 0.0%

2 BR$1,110■ 0.0%

3 BR$1,460▼ 0.7%

4 BR$1,490▼ 1.3%

FY2027 FY2026

Where 61103 sits in the Rockford, IL area

Of the 43 ZIP codes HUD lists for the area, 61103 has the 32nd 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 $1,110 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	$770	$693 – $847	$816	$770
1 bedroom	$850	$765 – $935	$896	$850
2 bedrooms	$1,110	$999 – $1,221	$1,172	$1,110
3 bedrooms	$1,460	$1,314 – $1,606	$1,542	$1,470
4 bedrooms	$1,490	$1,341 – $1,639	$1,578	$1,510

A household renting a two-bedroom home at the Small Area FMR of $1,110 needs about $44,400 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 61103 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
61101	Rockford	3.1 mi	$1,190
61115	Machesney Park	3.5 mi	$1,300
61111	Loves Park	4.3 mi	$1,250
61114	Rockford	5.4 mi	$1,480
61107	Rockford	5.8 mi	$1,210
61104	Rockford	6.1 mi	$1,060

Questions

What is the Fair Market Rent for ZIP code 61103?

HUD's FY2027 Small Area Fair Market Rents for 61103 are $770 (studio), $850 (1 BR), $1,110 (2 BR), $1,460 (3 BR) and $1,490 (4 BR) a month.

What is the Section 8 payment standard in 61103?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 61103 that range is $999 to $1,221 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 61103?

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.