Kendall 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).

$2,3412-bedroom FMR, FY2027

$1,7901-bedroom FMR, FY2027

$106,80080% income limit, family of 4 (FY2026)

$135,800Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Kendall County is $2,341 a month, up 14.2% from $2,050 in FY2026. Kendall County belongs to the Kendall 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 Kendall County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$1,778	$1,413	+25.8%	$1,601 – $1,955
1 bedroom	$1,790	$1,562	+14.6%	$1,611 – $1,969
2 bedrooms	$2,341	$2,050	+14.2%	$2,107 – $2,575
3 bedrooms	$3,042	$2,819	+7.9%	$2,738 – $3,346
4 bedrooms	$3,238	$2,918	+11.0%	$2,915 – $3,561

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 Kendall County that is typically $2,107 to $2,575 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?

$70,152median income of renter households

$1,781Median gross rent, all units

30%Rent-to-income ratio (median rent ÷ median renter income)

52%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $70,152 can afford about $1,754 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $2,341 is $587 (33.5%) more than that. To rent a two-bedroom at the FMR, a household needs $93,640 a year under the 30% rule, or $84,276 under the common landlord rule that income must be three times the rent.

Kendall County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$1,781 ±$76
Median income of renter households	$70,152 ±$5,156
Renters paying 30% or more of income (cost-burdened)	52.4% ±6.9
Renters paying 50% or more (severely cost-burdened)	17.0% ±4.3
Renter households (where the share can be computed)	7,084

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$1,414	$1,781	+26.0%
Median renter household income	$56,177	$70,152	+24.9%
Renters paying 30%+ of income	46.8%	52.4%	+5.6 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 $1,750 to $3,030 depending on the ZIP code.

All 21 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
60431	$1,590	$1,660	$1,950	$2,520	$2,820
60447	$1,520	$1,570	$2,010	$2,710	$3,090
60450	$1,280	$1,410	$1,850	$2,540	$2,630
60503	$2,370	$2,470	$2,910	$3,760	$4,200
60504	$2,250	$2,380	$2,700	$3,470	$3,960
60506	$1,530	$1,620	$1,830	$2,350	$2,690
60511	$1,540	$1,630	$1,990	$2,610	$2,940
60512	$1,660	$1,700	$2,140	$2,770	$3,000
60536	$1,280	$1,410	$1,850	$2,540	$2,630
60537	$1,280	$1,410	$1,850	$2,540	$2,630
60538	$1,890	$1,930	$2,410	$3,120	$3,400
60541	$1,510	$1,520	$1,990	$2,610	$2,810
60543	$1,590	$1,600	$2,090	$2,720	$2,890
60544	$2,250	$2,390	$2,700	$3,470	$3,960
60545	$1,610	$1,620	$2,120	$2,750	$2,930
60548	$1,280	$1,410	$1,850	$2,540	$2,630
60551	$1,280	$1,410	$1,850	$2,540	$2,630
60554	$1,460	$1,550	$1,750	$2,250	$2,570
60560	$1,650	$1,660	$2,170	$2,820	$3,000
60585	$2,500	$2,630	$3,030	$3,900	$4,410
60586	$2,430	$2,570	$2,950	$3,800	$4,300

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

HUD income limits for Kendall County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $135,800 (FY2025: $134,200, +1.2%). 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%)	$28,550 +2.7%	$32,600 +2.5%	$36,700 +2.7%	$40,750 +2.6%	$44,050 +2.7%	$47,300 +2.6%	$50,550 +2.6%	$55,720 +2.9%
Very low income (50%)	$47,550 +2.6%	$54,350 +2.5%	$61,150 +2.6%	$67,900 +2.6%	$73,350 +2.6%	$78,800 +2.6%	$84,200 +2.6%	$89,650 +2.6%
Low income (80%)	$74,800 +2.5%	$85,450 +2.5%	$96,150 +2.5%	$106,800 +2.5%	$115,350 +2.5%	$123,900 +2.5%	$132,450 +2.5%	$141,000 +2.5%

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.