HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Adams County, Illinois (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Adams County is $1,064 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$1,064
FY 2026, utilities included
Payment standard range
$958 to $1,170
90% to 110% of FMR
Income to afford 2BR
$42,560
per year, at 30% of income
Rank in Illinois
30th of 102
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Adams moves to $1,013. That's down 5%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Adams actually rent for?
Search any address in Adams for a rent estimate built from nearby comps, with the HUD figure right next to it.
FY 2026 Fair Market Rents
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2025 |
|---|---|---|---|---|---|
| Studio | $734 | $661 to $807 | $29,360 | $14.12/hr | +9.7% |
| 1 bedroom | $811 | $730 to $892 | $32,440 | $15.60/hr | +8.3% |
| 2 bedroom | $1,064 | $958 to $1,170 | $42,560 | $20.46/hr | +9.1% |
| 3 bedroom | $1,327 | $1,194 to $1,460 | $53,080 | $25.52/hr | +5.2% |
| 4 bedroom | $1,500 | $1,350 to $1,650 | $60,000 | $28.85/hr | +13.7% |
5 to 8 bedrooms (PropMetrics estimates)
HUD stops at four bedrooms. These add 15% of the four-bedroom rent per extra bedroom. It's our estimate, not a HUD number.
| Bedrooms | Estimated FMR | Payment standard |
|---|---|---|
| 5 bedroom Estimate | $1,725 | $1,553 to $1,898 |
| 6 bedroom Estimate | $1,950 | $1,755 to $2,145 |
| 7 bedroom Estimate | $2,175 | $1,958 to $2,393 |
| 8 bedroom Estimate | $2,400 | $2,160 to $2,640 |
Source: HUD Office of Policy Development and Research, FY 2026 Fair Market Rents. Rents include utilities. huduser.gov
Fair Market Rent is HUD's estimate of what a modest, decent unit rents for in an area, utilities included. It's set once a year and runs October to September. For FY 2026 that's October 1, 2025 through September 30, 2026. In Adams, that runs from $734 for a studio up to $1,500 for four bedrooms, all five rates in the table above.
Because Adams sits outside any HUD metro area, its rate is a county-wide figure built from local rents. One number covers every address in the county, Quincy included.
Among Illinois's 102 counties, Adams ranks 30th for two-bedroom FMR. That's about 12% above the state median of $953 and about 5% above the national median county at $1,018. About 65,583 people live here, 23rd in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $920 in 62339 (Golden) and $1,180 in 62305 (Quincy), with the 17 ZIP codes in between. Housing authorities in HUD-designated metros use those ZIP rates instead of the county rate. Everywhere else the ZIP numbers show where rents actually sit, and the county rate stays the official standard.
| ZIP | City | 2BR rate | vs county |
|---|---|---|---|
| 62301 | Quincy | $1,050 | -1.3% |
| 62305 | Quincy | $1,180 | +10.9% |
| 62306 | Quincy | $1,060 | -0.4% |
| 62320 | Camp Point | $930 | -12.6% |
| 62324 | Clayton | $1,070 | +0.6% |
| 62325 | Coatsburg | $1,030 | -3.2% |
| 62338 | Fowler | $1,160 | +9.0% |
| 62339 | Golden | $920 | -13.5% |
| 62346 | La Prairie | $970 | -8.8% |
| 62347 | Liberty | $1,010 | -5.1% |
| 62348 | Lima | $1,120 | +5.3% |
| 62349 | Loraine | $1,000 | -6.0% |
| 62351 | Mendon | $1,130 | +6.2% |
| 62359 | Paloma | $1,060 | -0.4% |
| 62360 | Payson | $1,120 | +5.3% |
| 62365 | Plainville | $920 | -13.5% |
| 62376 | Ursa | $1,120 | +5.3% |
What a voucher pays here
The voucher doesn't pay the FMR itself. It pays the payment standard. Housing authorities set it anywhere from 90% to 110% of FMR, which puts a two-bedroom standard in Adams somewhere between $958 and $1,170. The tenant pays roughly 30% of their income, the voucher covers the rest up to the standard, and the PHA won't approve a rent above what comparable unassisted units get.
$1,064 a month is affordable, by HUD's 30% rule, on an income of roughly $42,560 a year. Put another way, $20 an hour full time.
Worked example for a two-bedroom, assuming the rent equals the payment standard. Tenant pays 30% of monthly income, HUD's housing assistance payment covers the rest.
| Monthly household income | Tenant pays (30%) | HAP at 90% ($958) | HAP at 100% ($1,064) | HAP at 110% ($1,170) |
|---|---|---|---|---|
| $2,500 | $750 | $208 | $314 | $420 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 9% from FY 2025 ($975) to FY 2026 ($1,064). Since FY 2020 it's up 47% in total, about 6.7% a year. The Illinois median moved up 6% over the same year.
| Year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $567 | $574 | $722 | $1,000 | $1,028 | — |
| FY 2021 | $561 | $605 | $776 | $1,029 | $1,072 | +7.5% |
| FY 2022 | $603 | $640 | $842 | $1,071 | $1,142 | +8.5% |
| FY 2023 | $569 | $636 | $837 | $1,063 | $1,124 | -0.6% |
| FY 2024 | $593 | $666 | $875 | $1,137 | $1,165 | +4.5% |
| FY 2025 | $669 | $749 | $975 | $1,261 | $1,319 | +11.4% |
| FY 2026 | $734 | $811 | $1,064 | $1,327 | $1,500 | +9.1% |
| FY 2027 | $705 | $774 | $1,013 | $1,246 | $1,476 | -4.8% |
Nearby counties
Questions people ask
$1,064 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $734 for a studio, $811 for one bedroom, $1,327 for three and $1,500 for four.
Tools for this county
Fair Market Rent lookup
Look up any ZIP code's Small Area FMR by bedroom count.
Section 8 rent calculator
Work out the payment standard and tenant share for a specific rent.
What is Fair Market Rent?
How HUD calculates FMR and what it means for landlords.
Rent affordability calculator
See what income a household needs for a given rent.
What does a rental in Adams actually go for?
HUD's number is one input. Search any address in Adams for a rent estimate built from nearby comps. 3 free searches, no card.
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