Ford County, IL: Fair Market Rent 2027 and Income Limits

Official HUD figures for landlords and renters, effective October 1, 2026 (rents) and May 1, 2026 (income limits).

$9302-bedroom FMR, FY2027

$7111-bedroom FMR, FY2027

$74,00080% income limit, family of 4 (FY2026)

$92,500Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Ford County is $930 a month, up 1.5% from $916 in FY2026. Ford County belongs to the Ford County, IL HUD Metro FMR Area FMR area, so the same figures apply across that area. FMRs are gross rents: rent plus all tenant-paid utilities except phone, cable and internet.

Fair market rent in Ford County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$706	$694	+1.7%	$636 – $776
1 bedroom	$711	$698	+1.9%	$640 – $782
2 bedrooms	$930	$916	+1.5%	$837 – $1,023
3 bedrooms	$1,288	$1,274	+1.1%	$1,160 – $1,416
4 bedrooms	$1,399	$1,300	+7.6%	$1,260 – $1,538

Source: HUD Fair Market Rents FY2027 (effective October 1, 2026) and FY2026 (revised file), details.

What can a landlord charge a Section 8 tenant here?

The FMR is not a cap on what you can ask on the open market. For a Housing Choice Voucher tenant, the local housing authority sets a payment standard, normally between 90% and 110% of the FMR (or of the ZIP-level Small Area FMR where those apply). For a two-bedroom unit in Ford County that is typically $837 to $1,023 including utilities. You can charge more than the payment standard if the rent passes the housing authority's rent-reasonableness test and, at move-in, the tenant's share stays within 40% of their adjusted monthly income. Ask the housing authority for its current payment standard schedule.

Can local renters afford the fair market rent?

$31,349median income of renter households

$923Median gross rent, all units

35%Rent-to-income ratio (median rent ÷ median renter income)

44%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $31,349 can afford about $784 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $930 is $146 (18.7%) more than that. To rent a two-bedroom at the FMR, a household needs $37,200 a year under the 30% rule, or $33,480 under the common landlord rule that income must be three times the rent.

Ford County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$923 ±$74
Median income of renter households	$31,349 ±$6,881
Renters paying 30% or more of income (cost-burdened)	44.0% ±11.6
Renters paying 50% or more (severely cost-burdened)	27.7% ±10.6
Renter households (where the share can be computed)	1,399

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$676	$923	+36.5%
Median renter household income	$33,354	$31,349	−6.0%
Renters paying 30%+ of income	44.5%	44.0%	−0.5 pts

Rent-to-income calculator: does an applicant qualify? → · Most affordable counties to rent in this state →

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates 2020–2024 and 2015–2019 (tables B25064, B25119, B25070). ± = margin of error at 90% confidence. Dollar figures are not adjusted for inflation.

Small Area FMRs by ZIP code (FY2027)

In metro areas HUD also publishes ZIP-level Small Area Fair Market Rents. Housing authorities in designated areas must use them for voucher payment standards; others may opt in. Here the two-bedroom SAFMR ranges from $930 to $1,330 depending on the ZIP code.

All 26 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
60911	$740	$750	$980	$1,220	$1,640
60917	$930	$1,000	$1,320	$1,720	$1,840
60918	$730	$730	$960	$1,190	$1,600
60919	$830	$910	$1,200	$1,580	$1,600
60921	$650	$710	$930	$1,150	$1,240
60927	$740	$750	$980	$1,220	$1,640
60929	$730	$800	$1,050	$1,300	$1,400
60933	$710	$720	$940	$1,300	$1,410
60936	$850	$900	$1,180	$1,550	$1,560
60941	$900	$980	$1,290	$1,690	$1,800
60946	$840	$840	$1,100	$1,520	$1,660
60948	$760	$760	$990	$1,300	$1,560
60949	$990	$1,000	$1,180	$1,480	$1,550
60952	$710	$710	$930	$1,290	$1,400
60955	$710	$710	$930	$1,150	$1,550
60957	$850	$860	$1,030	$1,410	$1,530
60959	$710	$710	$930	$1,290	$1,400
60960	$850	$860	$1,010	$1,300	$1,350
60962	$880	$890	$1,160	$1,610	$1,750
60968	$700	$710	$930	$1,190	$1,510
61720	$950	$1,010	$1,330	$1,750	$1,760
61731	$840	$900	$1,180	$1,550	$1,560
61773	$960	$960	$1,260	$1,740	$1,900
61775	$790	$870	$1,140	$1,410	$1,520
61840	$980	$1,000	$1,190	$1,510	$1,590
61845	$850	$900	$1,180	$1,550	$1,560

Source: HUD FY2027 Small Area FMRs (effective October 1, 2026).

HUD income limits for Ford County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $92,500 (FY2025: $92,000, +0.5%). Small figures under each limit show the change from FY2025.

Household size	1 person	2 people	3 people	4 people	5 people	6 people	7 people	8 people
Extremely low income (30%)	$19,450 +0.5%	$22,200 +0.5%	$27,320 +2.5%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +2.9%
Very low income (50%)	$32,400 +0.6%	$37,000 +0.5%	$41,650 +0.6%	$46,250 +0.5%	$49,950 +0.5%	$53,650 +0.5%	$57,350 +0.5%	$61,050 +0.5%
Low income (80%)	$51,800 +0.5%	$59,200 +0.5%	$66,600 +0.5%	$74,000 +0.5%	$79,950 +0.6%	$85,850 +0.5%	$91,800 +0.5%	$97,700 +0.5%

The 30% limit is HUD's “extremely low income” limit: the higher of 30% of median income or the federal poverty guideline, but never above the 50% limit. That is why it can rise faster than 30% of median for larger households. Tax-credit (LIHTC) properties use separate Multifamily Tax Subsidy Project limits.

Source: HUD Section 8 Income Limits FY2026 (effective May 1, 2026) and FY2025, details.