61109
ZIPSAFMR
Winnebago County, IL
BRFMR
Eff. Rent
0 BR$760$760
1 BR$840$840
2 BR$1,100$1,100
3 BR$1,460$1,460
4 BR$1,490$1,490
5 BR$1,713
6 BR$1,971
7 BR$2,266
8 BR$2,606

Market Alignment

How HUD fair market rents align with the state of the rental market.

Studio
Studio
0.86ratio
FMR$760
Market$880
vs market-$120

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.86
1 BR
1 BR
0.98ratio
FMR$840
Market$860
vs market-$20

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

0.98
2 BR
2 BR
0.99ratio
FMR$1,100
Market$1,110
vs market-$10

FMR aligns with market rates. Payment is likely to be at or near the FMR in this area.

0.99
3 BR
3 BR
0.83ratio
FMR$1,460
Market$1,760
vs market-$300

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.83
4 BR
4 BR
0.75ratio
FMR$1,490
Market$1,990
vs market-$500

FMR falls below market. Section 8 income will likely be below what private tenants pay in this area.

0.75
0.700.800.901.001.101.201.30aligned range

Voucher rents are below market for smaller unit sizes.

Bedroom curve

Historical
See FMR progression in recent years

Data indexed

FMR
FY2026
Market rent
last ~365 days

Purchase Price Calculator

Maximum purchase price
$101,543
Rent
$1,100
Down payment
$20,309
Loan
$81,234
Mortgage
$513
Expenses
$387
Market inputs
About this result(HUD FMR/SAFMR details)

This page shows HUD Fair Market Rent data for 61109 (IL) for FY 2026. Fair Market Rent (FMR) is a HUD benchmark used to determine payment standards for programs like the Housing Choice Voucher (Section 8) program.

Values are shown for 0–4 bedroom units. In some metro areas HUD publishes Small Area FMR (SAFMR) at the ZIP-code level; otherwise the county/metropolitan-area FMR applies. This result is labeled SAFMR based on HUD's designation for the area and the available data.

Tip: use these numbers as a starting point and confirm local program rules (payment standards may differ from HUD's published FMR). If you're comparing neighborhoods, SAFMR ZIP ranges can highlight variation within the same county.