Massac 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).

$9932-bedroom FMR, FY2027

$7661-bedroom FMR, FY2027

$71,75080% income limit, family of 4 (FY2026)

$84,400Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in Massac County is $993 a month, up 2.5% from $969 in FY2026. Massac County belongs to the Massac 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 Massac County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$706	$784	−9.9%	$636 – $776
1 bedroom	$766	$789	−2.9%	$690 – $842
2 bedrooms	$993	$969	+2.5%	$894 – $1,092
3 bedrooms	$1,375	$1,348	+2.0%	$1,238 – $1,512
4 bedrooms	$1,402	$1,415	−0.9%	$1,262 – $1,542

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 Massac County that is typically $894 to $1,092 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?

$27,028median income of renter households

$756Median gross rent, all units

34%Rent-to-income ratio (median rent ÷ median renter income)

51%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $27,028 can afford about $676 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $993 is $317 (47.0%) more than that. To rent a two-bedroom at the FMR, a household needs $39,720 a year under the 30% rule, or $35,748 under the common landlord rule that income must be three times the rent.

Massac County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$756 ±$61
Median income of renter households	$27,028 ±$6,630
Renters paying 30% or more of income (cost-burdened)	50.7% ±10.4
Renters paying 50% or more (severely cost-burdened)	13.0% ±7.4
Renter households (where the share can be computed)	981

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$692	$756	+9.2%
Median renter household income	$22,090	$27,028	+22.4%
Renters paying 30%+ of income	52.3%	50.7%	−1.6 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 $940 to $1,160 depending on the ZIP code.

All 8 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
62908	$710	$780	$970	$1,290	$1,420
62910	$760	$850	$1,100	$1,510	$1,550
62938	$780	$850	$1,110	$1,410	$1,610
62941	$840	$1,030	$1,160	$1,620	$1,880
62943	$710	$770	$980	$1,280	$1,410
62953	$770	$840	$1,090	$1,510	$1,540
62956	$710	$810	$940	$1,300	$1,470
62960	$720	$760	$990	$1,370	$1,400

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

HUD income limits for Massac County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $84,400 (FY2025: $83,000, +1.7%). 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%)	$18,850 +3.6%	$21,640 +2.3%	$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%)	$31,400 +3.5%	$35,900 +3.6%	$40,400 +3.6%	$44,850 +3.6%	$48,450 +3.5%	$52,050 +3.6%	$55,650 +3.6%	$59,250 +3.6%
Low income (80%)	$50,250 +3.5%	$57,400 +3.5%	$64,600 +3.5%	$71,750 +3.5%	$77,500 +3.5%	$83,250 +3.5%	$89,000 +3.5%	$94,750 +3.6%

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.