FY2027 Small Area FMR · Saint Joseph, IL

ZIP 61873 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 61873 (Saint Joseph, IL) is $1,020 a month, up 4.1% from FY2026. That is 13% below the Champaign-Urbana, IL area-wide FMR of $1,173.

2-bedroom SAFMR$1,020per month ▲ 4.1%

Area-wide 2 BR FMR$1,173Champaign-Urbana, IL

Rank in the area40thof 54 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$918

2 BR Small Area FMR$1,020

110% of SAFMR$1,122

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

Studio$850▲ 3.7%

1 BR$870▲ 6.1%

2 BR$1,020▲ 4.1%

3 BR$1,300▲ 2.4%

4 BR$1,340▲ 3.9%

FY2027 FY2026

Where 61873 sits in the Champaign-Urbana, IL area

Of the 54 ZIP codes HUD lists for the area, 61873 has the 40th highest two-bedroom Small Area FMR. Champaign-Urbana, 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 $1,173 for two bedrooms; an agency that opts in to Small Area FMRs would use $1,020 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	$850	$765 – $935	$983	$820
1 bedroom	$870	$783 – $957	$996	$820
2 bedrooms	$1,020	$918 – $1,122	$1,173	$980
3 bedrooms	$1,300	$1,170 – $1,430	$1,474	$1,270
4 bedrooms	$1,340	$1,206 – $1,474	$1,542	$1,290

A household renting a two-bedroom home at the Small Area FMR of $1,020 needs about $40,800 a year to keep housing costs at 30% of income. The area median family income is $114,300 and the 80% low-income limit for four people is $88,700. ZIP code 61873 lies mainly in Champaign County. See the Champaign-Urbana, IL metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
61859	Ogden	4.2 mi	$1,530
61871	Royal	5.4 mi	$1,220
61802	Urbana	6.2 mi	$1,140
61844	Fithian	9.0 mi	$1,170
61849	Homer	9.1 mi	$1,070
61801	Urbana	9.2 mi	$1,140

Questions

What is the Fair Market Rent for ZIP code 61873?

HUD's FY2027 Small Area Fair Market Rents for 61873 are $850 (studio), $870 (1 BR), $1,020 (2 BR), $1,300 (3 BR) and $1,340 (4 BR) a month.

What is the Section 8 payment standard in 61873?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 61873 that range is $918 to $1,122 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 61873?

The FY2026 income limits of the Champaign-Urbana, IL area apply: median family income $114,300, low-income (80%) limit $88,700 for a family of four.