FY2027 Small Area FMR · Cottage Hills, IL

ZIP 62018 Fair Market Rent & Payment Standards

HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 62018 (Cottage Hills, IL) is $1,290 a month, up 11.2% from FY2026. That is 4% below the St. Louis, MO-IL area-wide FMR of $1,349.

2-bedroom SAFMR$1,290per month ▲ 11.2%

Area-wide 2 BR FMR$1,349St. Louis, MO-IL

Rank in the area106thof 268 ZIP codes

Payment standard range, 2 bedrooms

90% of SAFMR$1,161

2 BR Small Area FMR$1,290

110% of SAFMR$1,419

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

Studio$1,020▲ 12.1%

1 BR$1,060▲ 11.6%

2 BR$1,290▲ 11.2%

3 BR$1,660▲ 11.4%

4 BR$1,910▲ 10.4%

FY2027 FY2026

Where 62018 sits in the St. Louis, MO-IL area

Of the 268 ZIP codes HUD lists for the area, 62018 has the 106th highest two-bedroom Small Area FMR. St. Louis, MO-IL is one of the 65 metro areas where HUD requires Small Area FMRs for the Housing Choice Voucher program (designated 2023), so local housing agencies must set payment standards from this ZIP code's figure, normally between $1,161 and $1,419 for two bedrooms.

All unit sizes

Monthly gross rent including utilities
Unit	FY2027 SAFMR	Payment standard range	Area-wide FMR	FY2026 SAFMR
Studio	$1,020	$918 – $1,122	$1,064	$910
1 bedroom	$1,060	$954 – $1,166	$1,104	$950
2 bedrooms	$1,290	$1,161 – $1,419	$1,349	$1,160
3 bedrooms	$1,660	$1,494 – $1,826	$1,731	$1,490
4 bedrooms	$1,910	$1,719 – $2,101	$1,997	$1,730

A household renting a two-bedroom home at the Small Area FMR of $1,290 needs about $51,600 a year to keep housing costs at 30% of income. The area median family income is $113,500 and the 80% low-income limit for four people is $90,800. ZIP code 62018 lies mainly in Madison County. See the St. Louis, MO-IL metro page for the full income limits table and the household check.

Nearby ZIP codes

ZIP	Place	Distance	2 BR SAFMR
62010	Bethalto	2.2 mi	$1,120
62024	East Alton	2.3 mi	$1,080
62002	Alton	3.2 mi	$1,300
62095	Wood River	3.3 mi	$1,140
62084	Roxana	4.9 mi	$1,180
62067	Moro	5.5 mi	$1,280

Questions

What is the Fair Market Rent for ZIP code 62018?

HUD's FY2027 Small Area Fair Market Rents for 62018 are $1,020 (studio), $1,060 (1 BR), $1,290 (2 BR), $1,660 (3 BR) and $1,910 (4 BR) a month.

What is the Section 8 payment standard in 62018?

Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 62018 that range is $1,161 to $1,419 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.

Which income limits apply in 62018?

The FY2026 income limits of the St. Louis, MO-IL area apply: median family income $113,500, low-income (80%) limit $90,800 for a family of four.