McHenry County, ND: 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).

$1,0142-bedroom FMR, FY2027

$8341-bedroom FMR, FY2027

$85,70080% income limit, family of 4 (FY2026)

$103,400Median family income (FY2026)

The FY2027 Fair Market Rent for a two-bedroom unit in McHenry County is $1,014 a month, up 1.4% from $1,000 in FY2026. McHenry County belongs to the McHenry County, ND 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 McHenry County by bedroom count

Unit size	FY2027 FMR	FY2026 FMR	Change	Payment standard range (90–110%)
Studio	$706	$725	−2.6%	$636 – $776
1 bedroom	$834	$839	−0.6%	$751 – $917
2 bedrooms	$1,014	$1,000	+1.4%	$913 – $1,115
3 bedrooms	$1,404	$1,387	+1.2%	$1,264 – $1,544
4 bedrooms	$1,695	$1,678	+1.0%	$1,526 – $1,864

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 McHenry County that is typically $913 to $1,115 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?

$60,114median income of renter households

$713Median gross rent, all units

14%Rent-to-income ratio (median rent ÷ median renter income)

25%of renter households pay 30% or more of income on rent

At the 30% rule, a renter household earning the local median of $60,114 can afford about $1,503 a month including utilities. The FY2027 two-bedroom Fair Market Rent of $1,014 is $489 (32.5%) less than that. To rent a two-bedroom at the FMR, a household needs $40,560 a year under the 30% rule, or $36,504 under the common landlord rule that income must be three times the rent.

McHenry County, ACS 2020–2024	Estimate ± MOE
Median gross rent (rent + utilities)	$713 ±$164
Median income of renter households	$60,114 ±$19,717
Renters paying 30% or more of income (cost-burdened)	25.0% ±4.2
Renters paying 50% or more (severely cost-burdened)	4.8% ±3.2
Renter households (where the share can be computed)	272

Change since 2015–2019

	ACS 2015–2019	ACS 2020–2024	Change
Median gross rent	$565	$713	+26.2%
Median renter household income	$39,219	$60,114	+53.3%
Renters paying 30%+ of income	29.8%	25.0%	−4.8 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 $1,010 to $1,440 depending on the ZIP code.

All 20 ZIP codes in this FMR area

ZIP	0 BR	1 BR	2 BR	3 BR	4 BR
58368	$790	$800	$1,010	$1,410	$1,700
58384	$910	$950	$1,170	$1,570	$1,950
58710	$1,030	$1,170	$1,440	$2,000	$2,410
58712	$710	$830	$1,010	$1,410	$1,700
58713	$710	$830	$1,010	$1,410	$1,700
58723	$870	$870	$1,030	$1,430	$1,730
58731	$750	$870	$1,050	$1,460	$1,760
58736	$710	$830	$1,010	$1,410	$1,700
58740	$850	$950	$1,220	$1,690	$2,000
58741	$710	$830	$1,010	$1,410	$1,700
58744	$710	$830	$1,010	$1,410	$1,700
58748	$890	$930	$1,010	$1,250	$1,700
58758	$950	$1,010	$1,190	$1,640	$1,990
58762	$880	$920	$1,010	$1,250	$1,700
58768	$730	$870	$1,050	$1,460	$1,760
58778	$890	$890	$1,010	$1,410	$1,700
58788	$710	$840	$1,020	$1,410	$1,700
58789	$730	$850	$1,010	$1,390	$1,700
58790	$730	$870	$1,050	$1,460	$1,760
58792	$710	$830	$1,010	$1,410	$1,700

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

HUD income limits for McHenry County (FY2026)

Income limits decide who qualifies for Section 8 vouchers, public housing and most HUD-assisted units. The area median family income is $103,400 (FY2025: $105,000, −1.5%). 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%)	$22,550 +2.3%	$25,750 +2.2%	$28,950 +2.1%	$33,000 +2.6%	$38,680 +2.7%	$44,360 +2.8%	$50,040 +2.9%	$55,720 +2.9%
Very low income (50%)	$37,500 +2.0%	$42,850 +2.0%	$48,200 +2.0%	$53,550 +2.0%	$57,850 +2.0%	$62,150 +2.1%	$66,450 +2.1%	$70,700 +2.0%
Low income (80%)	$60,000 +2.0%	$68,600 +2.1%	$77,150 +2.1%	$85,700 +2.0%	$92,600 +2.0%	$99,450 +2.1%	$106,300 +2.0%	$113,150 +2.0%

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.