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Section 8 Fair Market Rent in Chicago-Joliet-Naperville, IL (FY2026)
HUD's official FY2026 Fair Market Rents for the Chicago-Joliet-Naperville, IL HUD Metro FMR Area, by bedroom count. These figures set the baseline for what the Housing Choice Voucher program pays landlords in this area.
| Unit size | FY2026 FMR | Payment standard range (90–110%) |
|---|---|---|
| Studio / efficiency | $1,480 | $1,332 – $1,628 |
| 1 bedroom | $1,581 | $1,423 – $1,739 |
| 2 bedrooms | $1,781 | $1,603 – $1,959 |
| 3 bedrooms | $2,294 | $2,065 – $2,523 |
| 4 bedrooms | $2,653 | $2,388 – $2,918 |
Source: HUD User — FY 2026 Fair Market Rents. FY2026 FMRs are effective October 1, 2025. Retrieved 2026-06-11.
How this market compares
The 2-bedroom FMR here is $1,781 — 94% above the Illinois median of $916 across all 83 FMR areas in the state.
Counties and towns covered
The Chicago-Joliet-Naperville, IL FMR area is a metro area covering: Cook County, DuPage County, Kane County, Lake County, McHenry County, Will County. One FMR applies across the whole area — HUD does not publish separate figures per city or ZIP here (some large metros have Small Area FMRs by ZIP; check with the local housing authority).
What a landlord actually collects
FMR is the baseline, not the contract rent. The local housing authority sets a payment standard between 90% and 110% of FMR (the range in the table above), and your unit must pass a rent-reasonableness comparison against similar unassisted rentals nearby. The voucher then covers the gap between the tenant's share (roughly 30% of their income) and the approved rent.
Run the numbers for a deal in Chicago-Joliet-Naperville: Section 8 vs market rent, DSCR, or cash-on-cash return.
Comparable Illinois markets by 2BR FMR
| FMR area | 1 BR | 2 BR | 3 BR |
|---|---|---|---|
| Kendall County | $1,562 | $2,050 | $2,819 |
| Grundy County | $1,118 | $1,459 | $1,979 |
| DeKalb County | $1,046 | $1,373 | $1,825 |
| Kankakee | $1,011 | $1,326 | $1,745 |
| Bloomington | $999 | $1,302 | $1,717 |
| St. Louis | $995 | $1,218 | $1,568 |
Informational only — not financial, legal, or lending advice. Confirm current payment standards with the housing authority serving Chicago-Joliet-Naperville.