HUD Fair Market Rent · FY 2026 · effective Oct 1, 2025 to Sep 30, 2026
Fair Market Rent in Jo Daviess County, Illinois (FY 2026)
HUD's FY 2026 Fair Market Rent for a two-bedroom in Jo Daviess County is $954 a month. That's the number the housing authority starts from when it sets Section 8 payment standards here.
2 bedroom FMR
$954
FY 2026, utilities included
Payment standard range
$859 to $1,049
90% to 110% of FMR
Income to afford 2BR
$38,160
per year, at 30% of income
Rank in Illinois
51st of 102
by 2BR FMR
HUD has already published FY 2027. On October 1, 2026 the two-bedroom rate in Jo Daviess moves to $959. That's up 1%. The full FY 2027 table is in the history section below.
HUD's number is one input. What does a two-bedroom in Jo Daviess actually rent for?
Search any address in Jo Daviess 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 | $658 | $592 to $724 | $26,320 | $12.65/hr | +9.3% |
| 1 bedroom | $796 | $716 to $876 | $31,840 | $15.31/hr | +7.0% |
| 2 bedroom | $954 | $859 to $1,049 | $38,160 | $18.35/hr | +8.7% |
| 3 bedroom | $1,271 | $1,144 to $1,398 | $50,840 | $24.44/hr | +9.6% |
| 4 bedroom | $1,276 | $1,148 to $1,404 | $51,040 | $24.54/hr | +9.6% |
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 | $1,467 | $1,320 to $1,614 |
| 6 bedroom Estimate | $1,659 | $1,493 to $1,825 |
| 7 bedroom Estimate | $1,850 | $1,665 to $2,035 |
| 8 bedroom Estimate | $2,042 | $1,838 to $2,246 |
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 Jo Daviess, that runs from $658 for a studio up to $1,276 for four bedrooms, all five rates in the table above.
Because Jo Daviess 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, Apple River included.
Among Illinois's 102 counties, Jo Daviess ranks 51st for two-bedroom FMR. That's within a couple percent of the state median of $953 and about 6% below the national median county at $1,018. About 21,942 people live here, 53rd 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 61041 (Hanover) and $1,390 in 61001 (Apple River), with the 9 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.
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 Jo Daviess somewhere between $859 and $1,049. 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.
$954 a month is affordable, by HUD's 30% rule, on an income of roughly $38,160 a year. Put another way, $18 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% ($859) | HAP at 100% ($954) | HAP at 110% ($1,049) |
|---|---|---|---|---|
| $2,500 | $750 | $109 | $204 | $299 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 9% from FY 2025 ($878) to FY 2026 ($954). Since FY 2020 it's up 37% in total, about 5.3% 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 | $511 | $594 | $698 | $905 | $994 | — |
| FY 2021 | $531 | $578 | $700 | $871 | $949 | +0.3% |
| FY 2022 | $561 | $592 | $735 | $909 | $997 | +5.0% |
| FY 2023 | $578 | $644 | $774 | $979 | $1,040 | +5.3% |
| FY 2024 | $596 | $680 | $807 | $1,071 | $1,075 | +4.3% |
| FY 2025 | $602 | $744 | $878 | $1,160 | $1,164 | +8.8% |
| FY 2026 | $658 | $796 | $954 | $1,271 | $1,276 | +8.7% |
| FY 2027 | $668 | $783 | $959 | $1,328 | $1,336 | +0.5% |
Nearby counties
Carroll County
$91628 mi · pop 15,594
Stephenson County
$91628 mi · pop 44,482
Whiteside County
$91649 mi · pop 55,569
Ogle County
$1,11854 mi · pop 51,672
Winnebago County
$1,17556 mi · pop 284,591
Rock Island County
$1,14365 mi · pop 143,819
Lee County
$91666 mi · pop 34,221
Boone County
$1,17571 mi · pop 53,459
Questions people ask
$954 a month for FY 2026, which runs October 1, 2025 through September 30, 2026. The other rates are $658 for a studio, $796 for one bedroom, $1,271 for three and $1,276 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 Jo Daviess actually go for?
HUD's number is one input. Search any address in Jo Daviess for a rent estimate built from nearby comps. 3 free searches, no card.
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