FY2027 Small Area FMR · Rockford, IL

ZIP 61107 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 61107 (Rockford, IL) is $1,210 a month, unchanged from FY2026. That is 3% above the Rockford, IL area-wide FMR of $1,172.

2-bedroom SAFMR$1,210per month ■ 0.0%

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

Rank in the area20thof 43 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,089

2 BR Small Area FMR$1,210

110% of SAFMR$1,331

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

Studio$840▲ 1.2%

1 BR$920■ 0.0%

2 BR$1,210■ 0.0%

3 BR$1,590▼ 0.6%

4 BR$1,630▼ 0.6%

FY2027 FY2026

Where 61107 sits in the Rockford, IL area

Of the 43 ZIP codes HUD lists for the area, 61107 has the 20th 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 $1,210 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	$840	$756 – $924	$816	$830
1 bedroom	$920	$828 – $1,012	$896	$920
2 bedrooms	$1,210	$1,089 – $1,331	$1,172	$1,210
3 bedrooms	$1,590	$1,431 – $1,749	$1,542	$1,600
4 bedrooms	$1,630	$1,467 – $1,793	$1,578	$1,640

A household renting a two-bedroom home at the Small Area FMR of $1,210 needs about $48,400 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 61107 lies mainly in Winnebago County and Boone 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
61114	Rockford	1.6 mi	$1,480
61108	Rockford	1.9 mi	$1,170
61112	Rockford	3.3 mi	$1,110
61111	Loves Park	3.5 mi	$1,250
61104	Rockford	4.6 mi	$1,060
61115	Machesney Park	5.4 mi	$1,300

Questions

What is the Fair Market Rent for ZIP code 61107?

HUD's FY2027 Small Area Fair Market Rents for 61107 are $840 (studio), $920 (1 BR), $1,210 (2 BR), $1,590 (3 BR) and $1,630 (4 BR) a month.

What is the Section 8 payment standard in 61107?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 61107 that range is $1,089 to $1,331 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 61107?

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.