FY2027 Small Area FMR · Rockford, IL

ZIP 61108 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 61108 (Rockford, IL) is $1,170 a month, down 0.8% from FY2026. That is 0% equal to the Rockford, IL area-wide FMR of $1,172.

2-bedroom SAFMR$1,170per month ▼ 0.8%

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

Rank in the area23rdof 43 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,053

2 BR Small Area FMR$1,170

110% of SAFMR$1,287

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

Studio$810■ 0.0%

1 BR$890▼ 1.1%

2 BR$1,170▼ 0.8%

3 BR$1,540▼ 1.3%

4 BR$1,570▼ 1.9%

FY2027 FY2026

Where 61108 sits in the Rockford, IL area

Of the 43 ZIP codes HUD lists for the area, 61108 has the 23rd 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 $1,170 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	$810	$729 – $891	$816	$810
1 bedroom	$890	$801 – $979	$896	$900
2 bedrooms	$1,170	$1,053 – $1,287	$1,172	$1,180
3 bedrooms	$1,540	$1,386 – $1,694	$1,542	$1,560
4 bedrooms	$1,570	$1,413 – $1,727	$1,578	$1,600

A household renting a two-bedroom home at the Small Area FMR of $1,170 needs about $46,800 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 61108 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
61112	Rockford	1.7 mi	$1,110
61107	Rockford	1.9 mi	$1,210
61114	Rockford	3.4 mi	$1,480
61104	Rockford	4.0 mi	$1,060
61016	Cherry Valley	5.0 mi	$1,060
61109	Rockford	5.3 mi	$1,090

Questions

What is the Fair Market Rent for ZIP code 61108?

HUD's FY2027 Small Area Fair Market Rents for 61108 are $810 (studio), $890 (1 BR), $1,170 (2 BR), $1,540 (3 BR) and $1,570 (4 BR) a month.

What is the Section 8 payment standard in 61108?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 61108 that range is $1,053 to $1,287 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 61108?

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.