FY2027 Small Area FMR · Saint Elmo, IL
ZIP 62458 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 62458 (Saint Elmo, IL) is $930 a month, up 1.1% from FY2026. That is 0% equal to the Effingham County, IL area-wide FMR of $930.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 62458 sits in the Effingham County, IL area
Of the 15 ZIP codes HUD lists for the area, 62458 has the 8th highest two-bedroom Small Area FMR. Effingham 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 $930 for this ZIP code instead.
ZIP code 62458 crosses more than one HUD area. HUD also lists it under Fayette County, IL (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $730 | $657 – $803 | $764 | $720 |
| 1 bedroom | $730 | $657 – $803 | $792 | $750 |
| 2 bedrooms | $930 | $837 – $1,023 | $930 | $920 |
| 3 bedrooms | $1,210 | $1,089 – $1,331 | $1,231 | $1,180 |
| 4 bedrooms | $1,350 | $1,215 – $1,485 | $1,434 | $1,300 |
A household renting a two-bedroom home at the Small Area FMR of $930 needs about $37,200 a year to keep housing costs at 30% of income. The area median family income is $104,900 and the 80% low-income limit for four people is $83,900. ZIP code 62458 lies mainly in Fayette County and Effingham County. See the Effingham County, IL county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 62458?
HUD's FY2027 Small Area Fair Market Rents for 62458 are $730 (studio), $730 (1 BR), $930 (2 BR), $1,210 (3 BR) and $1,350 (4 BR) a month.
What is the Section 8 payment standard in 62458?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 62458 that range is $837 to $1,023 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 62458?
The FY2026 income limits of the Effingham County, IL area apply: median family income $104,900, low-income (80%) limit $83,900 for a family of four.