Section 8 — Chicago-Joliet-Naperville, IL FMR
Section 8 rents
in chicago-joliet-naperville.
HUD Fair Market Rents for every one of the 337 ZIP codes in the Chicago-Joliet-Naperville area (FY2026). The median 2-bedroom runs $1,790/mo and the median 3-bedroom $2,310/mo — with 3-bedroom rents spanning $1,510 to $3,440/mo depending on the ZIP. This is part of Illinois Section 8 rents.
Area median
FMR by bedroom.
Median Fair Market Rent across all Chicago-Joliet-Naperville ZIPs, by unit size (FY2026).
| bedrooms | median FMR / mo |
|---|---|
| studio / 0 BR | $1,490 |
| 1 BR | $1,590 |
| 2 BR | $1,790 |
| 3 BR | $2,310 |
| 4 BR | $2,670 |
3-bedroom FMR ranges from $1,510 to $3,440/mo across Chicago-Joliet-Naperville's 337 ZIP codes — Small Area FMRs vary widely within a single metro.
Every ZIP
FMR by ZIP code.
2-bedroom and 3-bedroom Fair Market Rent for every ZIP in the Chicago-Joliet-Naperville area. Need one number fast? Check any ZIP instantly.
All 337 ZIPs, sorted.
| ZIP | 2 BR | 3 BR |
|---|---|---|
| 60002 | $1,500 | $1,930 |
| 60004 | $2,190 | $2,820 |
| 60005 | $1,940 | $2,500 |
| 60006 | $1,750 | $2,250 |
| 60007 | $1,990 | $2,560 |
| 60008 | $1,940 | $2,500 |
| 60009 | $1,750 | $2,250 |
| 60010 | $2,670 | $3,440 |
| 60011 | $1,790 | $2,310 |
| 60012 | $2,000 | $2,570 |
| 60013 | $1,940 | $2,500 |
| 60014 | $1,810 | $2,330 |
| 60015 | $2,670 | $3,440 |
| 60016 | $1,890 | $2,430 |
| 60017 | $1,750 | $2,250 |
| 60018 | $1,460 | $1,880 |
| 60020 | $1,650 | $2,120 |
| 60021 | $2,670 | $3,440 |
| 60022 | $2,390 | $3,080 |
| 60025 | $2,100 | $2,700 |
| 60026 | $2,390 | $3,080 |
| 60029 | $2,290 | $2,950 |
| 60030 | $1,980 | $2,550 |
| 60031 | $2,030 | $2,610 |
| 60034 | $1,400 | $1,800 |
| 60035 | $2,460 | $3,170 |
| 60037 | $1,810 | $2,330 |
| 60039 | $1,720 | $2,210 |
| 60040 | $2,240 | $2,880 |
| 60041 | $1,320 | $1,700 |
| 60042 | $2,250 | $2,900 |
| 60043 | $2,540 | $3,270 |
| 60044 | $2,100 | $2,700 |
| 60045 | $2,670 | $3,440 |
| 60046 | $2,040 | $2,630 |
| 60047 | $2,350 | $3,030 |
| 60048 | $2,000 | $2,580 |
| 60050 | $1,900 | $2,450 |
| 60051 | $2,040 | $2,630 |
| 60053 | $2,670 | $3,440 |
| 60055 | $1,750 | $2,250 |
| 60056 | $1,910 | $2,460 |
| 60060 | $1,990 | $2,560 |
| 60061 | $2,390 | $3,080 |
| 60062 | $2,370 | $3,050 |
| 60064 | $1,430 | $1,840 |
| 60065 | $1,750 | $2,250 |
| 60067 | $1,900 | $2,450 |
| 60068 | $1,940 | $2,500 |
| 60069 | $2,670 | $3,440 |
| 60070 | $1,710 | $2,200 |
| 60071 | $1,480 | $1,910 |
| 60072 | $1,520 | $1,950 |
| 60073 | $1,910 | $2,460 |
| 60074 | $1,900 | $2,450 |
| 60075 | $1,590 | $2,100 |
| 60076 | $1,950 | $2,510 |
| 60077 | $1,800 | $2,320 |
| 60078 | $1,750 | $2,250 |
| 60079 | $1,810 | $2,330 |
| 60081 | $1,510 | $1,940 |
| 60083 | $2,250 | $2,900 |
| 60084 | $1,640 | $2,110 |
| 60085 | $1,540 | $1,980 |
| 60087 | $1,630 | $2,100 |
| 60088 | $2,340 | $3,010 |
| 60089 | $2,560 | $3,300 |
| 60090 | $1,960 | $2,520 |
| 60091 | $2,620 | $3,370 |
| 60093 | $2,410 | $3,100 |
| 60095 | $1,750 | $2,250 |
| 60096 | $1,510 | $1,940 |
| 60097 | $1,640 | $2,110 |
| 60098 | $1,530 | $1,970 |
| 60099 | $1,490 | $1,920 |
| 60101 | $1,570 | $2,020 |
| 60102 | $2,420 | $3,120 |
| 60103 | $2,290 | $2,950 |
| 60104 | $1,490 | $1,920 |
| 60106 | $1,720 | $2,210 |
| 60107 | $2,340 | $3,010 |
| 60108 | $2,030 | $2,610 |
| 60109 | $1,470 | $1,890 |
| 60110 | $1,830 | $2,360 |
| 60117 | $2,010 | $2,590 |
| 60118 | $1,780 | $2,290 |
| 60120 | $1,640 | $2,110 |
| 60121 | $1,750 | $2,250 |
| 60122 | $2,010 | $2,590 |
| 60123 | $1,590 | $2,050 |
| 60124 | $2,530 | $3,260 |
| 60126 | $2,360 | $3,040 |
| 60130 | $1,680 | $2,160 |
| 60131 | $1,450 | $1,870 |
| 60133 | $1,890 | $2,430 |
| 60134 | $2,270 | $2,920 |
| 60136 | $2,370 | $3,050 |
| 60137 | $1,640 | $2,110 |
| 60138 | $2,010 | $2,590 |
| 60139 | $1,930 | $2,490 |
| 60141 | $1,220 | $1,550 |
| 60142 | $1,910 | $2,460 |
| 60143 | $2,130 | $2,740 |
| 60144 | $1,450 | $1,870 |
| 60147 | $1,750 | $2,250 |
| 60148 | $2,190 | $2,820 |
| 60153 | $1,520 | $1,960 |
| 60154 | $2,190 | $2,820 |
| 60155 | $1,420 | $1,830 |
| 60156 | $2,100 | $2,700 |
| 60157 | $2,040 | $2,630 |
| 60159 | $1,750 | $2,250 |
| 60160 | $1,520 | $1,960 |
| 60161 | $1,750 | $2,250 |
| 60162 | $1,760 | $2,270 |
| 60163 | $1,410 | $1,820 |
| 60164 | $1,390 | $1,790 |
| 60165 | $1,520 | $1,960 |
| 60168 | $1,750 | $2,250 |
| 60169 | $2,060 | $2,650 |
| 60171 | $1,590 | $2,050 |
| 60172 | $2,000 | $2,580 |
| 60173 | $2,340 | $3,010 |
| 60174 | $2,170 | $2,790 |
| 60175 | $2,670 | $3,440 |
| 60176 | $1,580 | $2,030 |
| 60177 | $2,090 | $2,690 |
| 60180 | $1,600 | $2,060 |
| 60181 | $2,010 | $2,590 |
| 60183 | $2,670 | $3,440 |
| 60184 | $2,080 | $2,680 |
| 60185 | $1,750 | $2,250 |
| 60186 | $2,010 | $2,590 |
| 60187 | $2,130 | $2,740 |
| 60188 | $1,810 | $2,330 |
| 60189 | $2,190 | $2,820 |
| 60190 | $2,090 | $2,660 |
| 60191 | $2,100 | $2,700 |
| 60192 | $2,670 | $3,440 |
| 60193 | $2,280 | $2,940 |
| 60194 | $2,330 | $3,000 |
| 60195 | $2,110 | $2,720 |
| 60196 | $1,750 | $2,250 |
| 60199 | $2,010 | $2,590 |
| 60201 | $2,370 | $3,050 |
| 60202 | $2,170 | $2,790 |
| 60203 | $2,390 | $3,080 |
| 60204 | $1,750 | $2,250 |
| 60208 | $2,370 | $3,050 |
| 60301 | $2,670 | $3,440 |
| 60302 | $1,790 | $2,310 |
| 60303 | $1,750 | $2,250 |
| 60304 | $1,630 | $2,100 |
| 60305 | $1,800 | $2,320 |
| 60402 | $1,460 | $1,880 |
| 60403 | $1,690 | $2,180 |
| 60404 | $2,390 | $3,080 |
| 60406 | $1,350 | $1,740 |
| 60409 | $1,450 | $1,870 |
| 60411 | $1,470 | $1,890 |
| 60412 | $1,750 | $2,250 |
| 60415 | $1,490 | $1,920 |
| 60417 | $1,570 | $2,020 |
| 60418 | $1,570 | $2,020 |
| 60419 | $1,880 | $2,420 |
| 60421 | $1,380 | $1,780 |
| 60422 | $2,670 | $3,440 |
| 60423 | $1,840 | $2,370 |
| 60425 | $2,050 | $2,640 |
| 60426 | $1,340 | $1,730 |
| 60428 | $2,090 | $2,690 |
| 60429 | $1,820 | $2,340 |
| 60430 | $1,750 | $2,250 |
| 60432 | $1,560 | $2,010 |
| 60433 | $1,590 | $2,050 |
| 60434 | $1,760 | $2,270 |
| 60435 | $1,630 | $2,100 |
| 60436 | $1,660 | $2,140 |
| 60438 | $1,570 | $2,020 |
| 60439 | $1,550 | $2,000 |
| 60440 | $2,060 | $2,650 |
| 60441 | $1,880 | $2,420 |
| 60442 | $1,390 | $1,790 |
| 60443 | $2,000 | $2,580 |
| 60445 | $1,460 | $1,880 |
| 60446 | $2,310 | $2,970 |
| 60448 | $1,850 | $2,380 |
| 60449 | $1,500 | $1,930 |
| 60451 | $1,630 | $2,100 |
| 60452 | $1,610 | $2,070 |
| 60453 | $1,640 | $2,110 |
| 60454 | $1,750 | $2,250 |
| 60455 | $1,400 | $1,800 |
| 60456 | $1,680 | $2,160 |
| 60457 | $1,360 | $1,750 |
| 60458 | $1,570 | $2,020 |
| 60459 | $1,590 | $2,050 |
| 60461 | $2,670 | $3,440 |
| 60462 | $1,790 | $2,310 |
| 60463 | $2,240 | $2,880 |
| 60464 | $2,260 | $2,900 |
| 60465 | $1,620 | $2,090 |
| 60466 | $1,810 | $2,330 |
| 60467 | $2,330 | $3,000 |
| 60469 | $1,670 | $2,150 |
| 60471 | $1,660 | $2,140 |
| 60472 | $1,620 | $2,090 |
| 60473 | $2,400 | $3,090 |
| 60475 | $1,270 | $1,640 |
| 60476 | $1,480 | $1,910 |
| 60477 | $1,760 | $2,270 |
| 60478 | $2,240 | $2,880 |
| 60480 | $1,780 | $2,290 |
| 60482 | $1,470 | $1,890 |
| 60484 | $1,840 | $2,370 |
| 60487 | $1,760 | $2,270 |
| 60490 | $2,670 | $3,440 |
| 60491 | $2,070 | $2,670 |
| 60499 | $1,750 | $2,250 |
| 60501 | $1,320 | $1,700 |
| 60502 | $2,420 | $3,120 |
| 60505 | $1,610 | $2,070 |
| 60507 | $1,750 | $2,250 |
| 60510 | $1,620 | $2,090 |
| 60513 | $1,580 | $2,030 |
| 60514 | $1,540 | $1,980 |
| 60515 | $2,110 | $2,720 |
| 60516 | $2,080 | $2,680 |
| 60517 | $1,880 | $2,420 |
| 60519 | $2,420 | $3,120 |
| 60521 | $2,450 | $3,160 |
| 60522 | $2,010 | $2,590 |
| 60523 | $1,170 | $1,510 |
| 60525 | $1,770 | $2,280 |
| 60526 | $1,720 | $2,210 |
| 60527 | $2,010 | $2,590 |
| 60532 | $2,040 | $2,630 |
| 60534 | $1,360 | $1,750 |
| 60539 | $1,770 | $2,280 |
| 60540 | $2,370 | $3,050 |
| 60542 | $2,020 | $2,600 |
| 60546 | $1,600 | $2,060 |
| 60555 | $2,150 | $2,770 |
| 60558 | $2,640 | $3,400 |
| 60559 | $1,900 | $2,450 |
| 60561 | $2,190 | $2,820 |
| 60563 | $2,400 | $3,090 |
| 60564 | $2,670 | $3,440 |
| 60565 | $2,270 | $2,920 |
| 60566 | $2,010 | $2,590 |
| 60567 | $1,960 | $2,530 |
| 60598 | $2,010 | $2,590 |
| 60599 | $2,010 | $2,590 |
| 60601 | $2,670 | $3,440 |
| 60602 | $2,670 | $3,440 |
| 60603 | $2,670 | $3,440 |
| 60604 | $2,670 | $3,440 |
| 60605 | $2,670 | $3,440 |
| 60606 | $2,670 | $3,440 |
| 60607 | $2,670 | $3,440 |
| 60608 | $1,500 | $1,930 |
| 60609 | $1,290 | $1,660 |
| 60610 | $2,670 | $3,440 |
| 60611 | $2,670 | $3,440 |
| 60612 | $1,840 | $2,370 |
| 60613 | $2,640 | $3,400 |
| 60614 | $2,670 | $3,440 |
| 60615 | $2,160 | $2,780 |
| 60616 | $1,970 | $2,540 |
| 60617 | $1,310 | $1,690 |
| 60618 | $1,990 | $2,560 |
| 60619 | $1,450 | $1,870 |
| 60620 | $1,450 | $1,870 |
| 60621 | $1,330 | $1,710 |
| 60622 | $2,470 | $3,180 |
| 60623 | $1,320 | $1,700 |
| 60624 | $1,540 | $1,980 |
| 60625 | $2,100 | $2,700 |
| 60626 | $2,000 | $2,580 |
| 60628 | $1,490 | $1,920 |
| 60629 | $1,360 | $1,750 |
| 60630 | $1,840 | $2,370 |
| 60631 | $1,880 | $2,420 |
| 60632 | $1,300 | $1,670 |
| 60633 | $1,450 | $1,870 |
| 60634 | $1,680 | $2,160 |
| 60636 | $1,320 | $1,700 |
| 60637 | $1,530 | $1,970 |
| 60638 | $1,590 | $2,050 |
| 60639 | $1,560 | $2,010 |
| 60640 | $2,300 | $2,960 |
| 60641 | $1,720 | $2,210 |
| 60642 | $2,670 | $3,440 |
| 60643 | $1,680 | $2,160 |
| 60644 | $1,450 | $1,870 |
| 60645 | $1,930 | $2,490 |
| 60646 | $1,720 | $2,210 |
| 60647 | $2,220 | $2,860 |
| 60649 | $1,520 | $1,960 |
| 60651 | $1,530 | $1,970 |
| 60652 | $1,740 | $2,240 |
| 60653 | $1,360 | $1,750 |
| 60654 | $2,670 | $3,440 |
| 60655 | $1,730 | $2,230 |
| 60656 | $1,750 | $2,250 |
| 60657 | $2,670 | $3,440 |
| 60659 | $1,830 | $2,360 |
| 60660 | $2,150 | $2,770 |
| 60661 | $2,670 | $3,440 |
| 60666 | $1,750 | $2,250 |
| 60669 | $1,750 | $2,250 |
| 60670 | $1,750 | $2,250 |
| 60673 | $1,750 | $2,250 |
| 60674 | $1,750 | $2,250 |
| 60675 | $1,750 | $2,250 |
| 60678 | $1,750 | $2,250 |
| 60682 | $1,750 | $2,250 |
| 60685 | $1,750 | $2,250 |
| 60686 | $1,750 | $2,250 |
| 60687 | $1,750 | $2,250 |
| 60688 | $1,750 | $2,250 |
| 60689 | $1,750 | $2,250 |
| 60690 | $1,750 | $2,250 |
| 60693 | $1,750 | $2,250 |
| 60694 | $1,750 | $2,250 |
| 60695 | $1,750 | $2,250 |
| 60697 | $1,750 | $2,250 |
| 60699 | $1,750 | $2,250 |
| 60701 | $1,750 | $2,250 |
| 60706 | $1,580 | $2,030 |
| 60707 | $1,670 | $2,150 |
| 60712 | $2,670 | $3,440 |
| 60714 | $1,560 | $2,010 |
| 60803 | $1,380 | $1,780 |
| 60804 | $1,490 | $1,920 |
| 60805 | $1,650 | $2,120 |
| 60827 | $1,450 | $1,870 |
SAFMR = ZIP-level variation. HUD sets Small Area Fair Market Rents by ZIP in this metro, so two homes in the same city can carry very different voucher ceilings.
The underwriting
The DSCR math at chicago-joliet-naperville's median rent.
A worked example — assumptions stated, not hidden. Run your exact numbers in the calculator.
At the median 3-bedroom Section 8 rent of $2,310/mo, the maximum PITIA that still clears a 1.20 DSCR is $1,925/mo. Assuming ~25% of that payment goes to property taxes and insurance, the maximum principal & interest is $1,444/mo — which supports roughly a $217,000 loan at 7% over 30 years, or about a $289,000 purchase at 75% LTV.
median 3 BR rent$2,310/mo
max PITIA @ 1.20 DSCR$1,925/mo
max P&I (~75% of PITIA)$1,444/mo
supported loan (7% / 30yr)$217,000
implied price (75% LTV)$289,000
Assumptions: 1.20 DSCR floor, ~25% of PITIA for taxes + insurance, 7.0% 30-year fixed, 75% LTV. Your taxes, insurance, rate, and LTV will differ — run your exact numbers in the DSCR calculator.
FAQ
Chicago-Joliet-Naperville Section 8, answered.
The questions investors ask before underwriting a Chicago-Joliet-Naperville voucher deal.
— Chicago-Joliet-Naperville FMR —
What is the 3-bedroom Section 8 rent in Chicago-Joliet-Naperville?
The median 3-bedroom Fair Market Rent in the Chicago-Joliet-Naperville area is $2,310/mo (FY2026). Under HUD's Small Area FMR schedule it ranges from $1,510 to $3,440/mo depending on the ZIP code — see the full ZIP table above.
— Chicago-Joliet-Naperville FMR —
Why do Section 8 rents differ between ZIP codes in Chicago-Joliet-Naperville?
HUD publishes Small Area Fair Market Rents (SAFMRs) by ZIP code in most large metros, including Chicago-Joliet-Naperville. Instead of one metro-wide number, each ZIP gets its own rent ceiling based on local market rents — so two homes in the same city can carry very different voucher amounts. The 3-bedroom range here spans $1,510 to $3,440/mo across the 337 ZIPs in this area.
— Chicago-Joliet-Naperville FMR —
Does a voucher pay the exact ZIP Fair Market Rent in Chicago-Joliet-Naperville?
Not exactly. The FMR is the starting point — the local public housing authority sets its voucher payment standard at 90–110% of the ZIP's FMR, and every unit still has to pass a rent reasonableness test against comparable local rentals before the lease is approved. Treat the ZIP FMR as the ceiling, not a guaranteed payment.
Live · all 50 states
FMR on every chicago-joliet-naperville listing.
Verleon AI overlays HUD Fair Market Rents on every active listing in Chicago-Joliet-Naperville — and all 50 states — so you see the Section 8 ceiling and DSCR before you make an offer. Back to Illinois Section 8 rents or the all-states hub.
Data source: HUD FY2026 Fair Market Rents (Small Area FMRs where published), snapshot 2026-07-24. Payment standards vary by public housing authority (typically 90–110% of FMR). Figures are for research and do not guarantee approved rent on any specific unit.