FY2027 Small Area FMR · Gerlaw, IL

ZIP 61435 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 61435 (Gerlaw, IL) is $990 a month, up 5.3% from FY2026. That is 6% above the Warren County, IL area-wide FMR of $930.

2-bedroom SAFMR$990per month ▲ 5.3%

Area-wide 2 BR FMR$930Warren County, IL

Rank in the area9thof 18 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$891

2 BR Small Area FMR$990

110% of SAFMR$1,089

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

Studio$700▲ 6.1%

1 BR$770▲ 5.5%

2 BR$990▲ 5.3%

3 BR$1,250▲ 4.2%

4 BR$1,610▲ 4.5%

FY2027 FY2026

Where 61435 sits in the Warren County, IL area

Of the 18 ZIP codes HUD lists for the area, 61435 has the 9th highest two-bedroom Small Area FMR. Warren 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 $930 for two bedrooms; an agency that opts in to Small Area FMRs would use $990 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	$700	$630 – $770	$648	$660
1 bedroom	$770	$693 – $847	$722	$730
2 bedrooms	$990	$891 – $1,089	$930	$940
3 bedrooms	$1,250	$1,125 – $1,375	$1,158	$1,200
4 bedrooms	$1,610	$1,449 – $1,771	$1,554	$1,540

A household renting a two-bedroom home at the Small Area FMR of $990 needs about $39,600 a year to keep housing costs at 30% of income. The area median family income is $88,100 and the 80% low-income limit for four people is $71,750. ZIP code 61435 lies mainly in Warren County. See the Warren County, IL county page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
61462	Monmouth	6.3 mi	$930
61423	Cameron	6.5 mi	$930
61412	Alexis	7.4 mi	$1,050
61401	Galesburg	8.6 mi	$1,030
61402	Galesburg	9.3 mi	$930
61466	North Henderson	9.9 mi	$1,030

Questions

What is the Fair Market Rent for ZIP code 61435?

HUD's FY2027 Small Area Fair Market Rents for 61435 are $700 (studio), $770 (1 BR), $990 (2 BR), $1,250 (3 BR) and $1,610 (4 BR) a month.

What is the Section 8 payment standard in 61435?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 61435 that range is $891 to $1,089 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 61435?

The FY2026 income limits of the Warren County, IL area apply: median family income $88,100, low-income (80%) limit $71,750 for a family of four.