Macoupin 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).

$9782-bedroom FMR, FY2027

$7481-bedroom FMR, FY2027

$76,95080% income limit, family of 4 (FY2026)

$96,200Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Macoupin County is $978 a month, up 6.8% from $916 in FY2026. Macoupin County belongs to the Macoupin 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 Macoupin County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$743	$694	+7.1%	$669 – $817
1 bedroom	$748	$698	+7.2%	$674 – $822
2 bedrooms	$978	$916	+6.8%	$881 – $1,075
3 bedrooms	$1,191	$1,145	+4.0%	$1,072 – $1,310
4 bedrooms	$1,492	$1,423	+4.8%	$1,343 – $1,641

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 Macoupin County that is typically $881 to $1,075 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?

$36,612median income of renter households

$801Median gross rent, all units

26%Rent-to-income ratio (median rent ÷ median renter income)

38%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $36,612 can afford about $915 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $978 is $63 (6.9%) more than that. To rent a two-bedroom at the FMR, a household needs $39,120 a year under the 30% rule, or $35,208 under the common landlord rule that income must be three times the rent.

Macoupin County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$801 ±$45
Median income of renter households	$36,612 ±$4,589
Renters paying 30% or more of income (cost-burdened)	38.3% ±4.8
Renters paying 50% or more (severely cost-burdened)	24.3% ±4.7
Renter households (where the share can be computed)	3,294

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$701	$801	+14.3%
Median renter household income	$26,747	$36,612	+36.9%
Renters paying 30%+ of income	50.9%	38.3%	−12.6 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 $930 to $1,300 depending on the ZIP code.

All 32 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
62002	$1,030	$1,060	$1,300	$1,670	$1,930
62009	$770	$770	$1,010	$1,230	$1,540
62012	$910	$930	$1,180	$1,480	$1,780
62014	$840	$850	$1,110	$1,350	$1,690
62021	$880	$900	$1,140	$1,420	$1,720
62023	$730	$730	$960	$1,160	$1,460
62033	$720	$730	$950	$1,160	$1,450
62044	$740	$810	$1,060	$1,310	$1,640
62056	$700	$720	$930	$1,110	$1,290
62063	$770	$790	$1,000	$1,250	$1,510
62069	$710	$710	$930	$1,130	$1,420
62074	$750	$780	$960	$1,220	$1,430
62079	$810	$830	$1,050	$1,310	$1,590
62082	$650	$710	$930	$1,150	$1,420
62085	$800	$800	$1,040	$1,270	$1,590
62088	$820	$820	$1,070	$1,310	$1,630
62091	$730	$820	$990	$1,230	$1,360
62093	$750	$760	$990	$1,210	$1,510
62560	$810	$830	$1,080	$1,290	$1,490
62572	$700	$720	$930	$1,110	$1,290
62626	$710	$710	$930	$1,130	$1,420
62630	$740	$760	$980	$1,210	$1,500
62638	$800	$880	$1,150	$1,420	$1,920
62640	$730	$730	$960	$1,170	$1,460
62649	$710	$710	$930	$1,130	$1,420
62667	$710	$710	$930	$1,130	$1,420
62668	$690	$760	$990	$1,220	$1,640
62672	$730	$730	$960	$1,160	$1,450
62674	$710	$710	$930	$1,130	$1,420
62685	$800	$800	$1,050	$1,280	$1,600
62690	$750	$880	$1,090	$1,450	$1,520
62692	$750	$880	$1,090	$1,450	$1,550

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

HUD income limits for Macoupin County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $96,200 (FY2025: $91,100, +5.6%). 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%)	$20,200 +5.5%	$23,100 +5.5%	$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%)	$33,700 +5.6%	$38,500 +5.6%	$43,300 +5.6%	$48,100 +5.6%	$51,950 +5.6%	$55,800 +5.6%	$59,650 +5.6%	$63,500 +5.6%
Low income (80%)	$53,900 +5.6%	$61,600 +5.6%	$69,300 +5.6%	$76,950 +5.6%	$83,150 +5.6%	$89,300 +5.6%	$95,450 +5.6%	$101,600 +5.6%

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.