HUD Fair Market Rent · FY 2027 · Effective Oct 1, 2026 to Sep 30, 2027
Fair Market Rent in Whiteside County, Illinois (FY 2027)
$945 a month. That's HUD's FY 2027 Fair Market Rent for a two-bedroom in Whiteside County, and it's the baseline every voucher in Whiteside is measured against.
Two-bedroom FMR
$945
+3.2% from FY 2026
Payment standard
$851–$1,040
90% to 110% of the FMR, two-bedroom
Income to afford
$37,800
a year, with rent at 30% of income
Rank in Illinois
56th of 102
by two-bedroom FMR, highest first
FY 2027 Fair Market Rents
Payment standard is the 90% to 110% band a housing authority can set. Income needed puts rent at 30% of gross income, and the hourly wage assumes a 40-hour week.
| Bedrooms | FMR | Payment standard | Income needed | Hourly wage | vs FY 2026 |
|---|---|---|---|---|---|
| Studio | $696 | $626–$766 | $27,840 | $13.38/hr | +3.4% |
| 1 bedroom | $755 | $680–$831 | $30,200 | $14.52/hr | +5.0% |
| 2 bedroom | $945 | $851–$1,040 | $37,800 | $18.17/hr | +3.2% |
| 3 bedroom | $1,237 | $1,113–$1,361 | $49,480 | $23.79/hr | +2.4% |
| 4 bedroom | $1,242 | $1,118–$1,366 | $49,680 | $23.88/hr | +2.4% |
Five to eight 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 | $1,428 | $1,285–$1,571 |
| 6 bedroom Estimate | $1,615 | $1,454–$1,777 |
| 7 bedroom Estimate | $1,801 | $1,621–$1,981 |
| 8 bedroom Estimate | $1,987 | $1,788–$2,186 |
Source: HUD Office of Policy Development and Research, FY 2027 Fair Market Rents. Rents include utilities. huduser.gov
Market check
HUD's number is one input. What does a two-bedroom in Whiteside actually rent for?
Search any address in Whiteside for a rent estimate built from nearby comps, with the HUD figure right next to it.
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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 Whiteside somewhere between $851 and $1,040. 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.
$945 a month is affordable, by HUD's 30% rule, on an income of roughly $37,800 a year. Put another way, $18 an hour full time.
Worked example for a two-bedroom renting at the payment standard. The tenant pays 30% of monthly income and the voucher covers the rest.
| Monthly household income | Tenant pays (30%) | Voucher pays at 90%$851 | Voucher pays at 100%$945 | Voucher pays at 110%$1,040 |
|---|---|---|---|---|
| $2,500 | $750 | $101 | $195 | $290 |
| $4,000 | $1,200 | $0 | $0 | $0 |
Rate history
The two-bedroom rate went up 3% from FY 2026 ($916) to FY 2027 ($945). Since FY 2020 it's up 25% in total, about 3.3% a year. The Illinois median moved up 1% over the same year.
| Fiscal year | Studio | 1 BR | 2 BR | 3 BR | 4 BR | 2BR change |
|---|---|---|---|---|---|---|
| FY 2020 | $501 | $574 | $754 | $940 | $1,021 | — |
| FY 2021 | $495 | $570 | $751 | $934 | $1,018 | -0.4% |
| FY 2022 | $524 | $599 | $788 | $974 | $1,069 | +4.9% |
| FY 2023 | $557 | $628 | $826 | $1,005 | $1,110 | +4.8% |
| FY 2024 | $589 | $644 | $846 | $1,033 | $1,127 | +2.4% |
| FY 2025 | $633 | $686 | $899 | $1,119 | $1,192 | +6.3% |
| FY 2026 | $673 | $719 | $916 | $1,208 | $1,213 | +1.9% |
| FY 2027In effect | $696 | $755 | $945 | $1,237 | $1,242 | +3.2% |
About this rate
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 2027 that's October 1, 2026 through September 30, 2027. In Whiteside, that runs from $696 for a studio up to $1,242 for four bedrooms, all five rates in the table above.
Because Whiteside 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, Galt included.
Among Illinois's 102 counties, Whiteside ranks 56th for two-bedroom FMR. That's within a couple percent of the state median of $958 and about 11% below the national median county at $1,063. About 54,947 people live here, 24th in the state.
Rates by ZIP code
Zoom in and the picture changes. HUD's Small Area FMRs put a two-bedroom at $930 in 61037 (Galt) and $1,330 in 61261 (Lyndon), with the 12 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 |
|---|---|---|---|
| 61037 | Galt | $930 | -1.6% |
| 61071 | Rock Falls | $960 | +1.6% |
| 61081 | Sterling | $930 | -1.6% |
| 61230 | Albany | $930 | -1.6% |
| 61243 | Deer Grove | $1,040 | +10.1% |
| 61250 | Erie | $1,030 | +9.0% |
| 61251 | Fenton | $1,000 | +5.8% |
| 61252 | Fulton | $1,040 | +10.1% |
| 61261 | Lyndon | $1,330 | +40.7% |
| 61270 | Morrison | $1,070 | +13.2% |
| 61277 | Prophetstown | $1,030 | +9.0% |
| 61283 | Tampico | $1,060 | +12.2% |
Nearby counties
Two-bedroom FMR, with how each compares to Whiteside.
Carroll County
22 mi · 15,576 people
$930
-2%
Henry County
32 mi · 48,643 people
$1,056
+12%
Bureau County
33 mi · 32,866 people
$981
+4%
Lee County
34 mi · 33,869 people
$930
-2%
Rock Island County
35 mi · 142,757 people
$1,056
+12%
Ogle County
39 mi · 51,495 people
$1,080
+14%
Stephenson County
46 mi · 43,768 people
$930
-2%
Stark County
47 mi · 5,308 people
$1,212
+28%
Questions people ask
$945 a month for FY 2027, which runs October 1, 2026 through September 30, 2027. The other rates are $696 for a studio, $755 for one bedroom, $1,237 for three and $1,242 for four.
Tools for this county
Fair Market Rent lookup
Any ZIP code's Small Area FMR by bedroom count
Section 8 rent calculator
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
The income a household needs for a given rent
What does a rental in Whiteside actually go for?
HUD's number is one input. Search any address in Whiteside for a rent estimate built from nearby comps. Free to start, no card.
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