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DeKalb County/Kingston/60145

60145

ZIPSAFMR
DeKalb County, IL
Zillow

ZIP Investment Score

75Below average

095130300
BRFMR
Eff. Rent
0 BR$880$880
1 BR$970$1,070
2 BR$1,240$1,360
3 BR$1,680$1,850
4 BR$1,990$2,060
5 BR$2,289Not available
6 BR$2,632Not available
7 BR$3,027Not available
8 BR$3,481Not available

Purchase Price Calculator

Maximum purchase price
$140,179

Cost breakdown

+Likely effective rent$1,360
HUD FMR$1,240
Market rent$1,930
Est. payment standard (110%)Used$1,360
-Principal and interest-$709
Loan amount$112,143
Down payment$28,036
Rate6.50%
Term30 years
-Operating costs-$451
Property taxes-$140
Insurance-$175
Utilities$0
HOA$0
Management-$136
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$21,996(78.5% ROI)
Projected value
$150,957
Return breakdown
Property appreciation+$10,778
Loan principal paid down+$4,018
Rental cash flow+$7,200
5-year hold
+$37,586(134.1% ROI)
Projected value
$158,600
Return breakdown
Property appreciation+$18,421
Loan principal paid down+$7,165
Rental cash flow+$12,000
10-year hold
+$80,334(286.5% ROI)
Projected value
$179,441
Return breakdown
Property appreciation+$39,262
Loan principal paid down+$17,073
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

1 BR
0.55
2 BR
0.64
3 BR
0.82
4 BR
0.95
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 60145 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 60145 (Kingston, IL) is $1,240 a month. That is down 0.8% from $1,250 in FY 2026. Kingston is in the DeKalb County, IL HUD Metro FMR Area. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $1,481. Among 26 ZIP codes in DeKalb County, 60145 is tied for the 23rd-highest two-bedroom rent (county range $1,240–$2,340). The median county two-bedroom FMR in Illinois is $958, so ZIP 60145 is 30% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 60145
BedroomsFY 2027Change90–110% range
Studio$880+2.3%$792–$968
1BR$970+1.0%$873–$1,067
2BR$1,240−0.8%$1,116–$1,364
3BR$1,680−1.8%$1,512–$1,848
4BR$1,990−5.2%$1,791–$2,189

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 60145
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$880$970$1,240$1,680$1,990
FY 2026$860$960$1,250$1,710$2,100
FY 2025$920$1,020$1,340$1,830$2,250
FY 2024$870$980$1,280$1,800$2,170
FY 2023$720$820$1,070$1,520$1,820

Two-bedroom rent in nearby DeKalb County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 60145
60112$2,060+66.1%
60115$1,420+14.5%
60119$2,340+88.7%
60129$1,320+6.5%
60135$1,510+21.8%
60140$2,020+62.9%
60145Current$1,240—
60146$1,540+24.2%
60150$1,610+29.8%
60151$2,240+80.6%
60152$1,490+20.2%
60178$1,570+26.6%

Questions about ZIP 60145 rents

How much will Section 8 pay for a two-bedroom in ZIP 60145?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,481, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,333 to $1,629 a month; under the ZIP-level Small Area FMR of $1,240 it would be $1,116 to $1,364. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 60145 in?

ZIP 60145 is in the DeKalb County, IL HUD Metro FMR Area. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,481.

How much did fair market rent change in ZIP 60145 for FY 2027?

The two-bedroom FMR fell 0.8%, from $1,250 in FY 2026 to $1,240 in FY 2027. Since FY 2023 it has risen 15.9%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentKingston, IL fair market rentIL statewide rentsWhat is SAFMR?Data sources