High-FMR payment standards - Chicago-Joliet-Naperville, IL HUD Metro FMR Area
HUD FY2026 2-BR Fair Market Rent for Chicago-Joliet-Naperville, IL HUD Metro FMR Area is $1,781/month - 84th percentile of 396 published metro FMR areas (#334 cheapest→expensive) ; voucher vs ACS median: 28.0% above market ; FMR rows touch Cook County, DuPage County, Kane County, Lake County, McHenry County, Will County .
Geography note: HUD divides this CBSA into 6 separate Fair Market Rent areas, each with its own rent schedule. The amounts above are for Chicago-Joliet-Naperville, IL HUD Metro FMR Area only, not the whole metro.
Expensive rung: who shares Chicago-Joliet-Naperville, IL HUD Metro FMR Area's FMR tier
Near-amount peers: Crestview-Fort Walton Beach-Destin, FL HUD Metro FMR Area ($1,785), Charleston-North Charleston, SC MSA ($1,787), Ansonia town, CT Exception Area ($1,788) .
For scale, bottom-quartile published amounts include Boone County, WV HUD Metro FMR Area, Champaign-Urbana, IL HUD Metro FMR Area, Ashtabula County, OH HUD Metro FMR Area, Benton County, IA HUD Metro FMR Area, Casper, WY MSA, Cape Girardeau, MO-IL MSA - those metros are not substitutes for lease-up planning in Chicago-Joliet-Naperville, IL HUD Metro FMR Area.
IL-state FMR neighbors for Chicago-Joliet-Naperville, IL HUD Metro FMR Area
Closest 2-BR amounts inside IL: Kankakee, IL MSA ($1,326); Bloomington, IL MSA ($1,302); Springfield, IL MSA ($1,203); Rockford, IL MSA ($1,175); Champaign-Urbana, IL HUD Metro FMR Area ($1,122); Decatur, IL MSA ($1,063); Peoria, IL MSA ($1,039); Massac County, IL HUD Metro FMR Area ($969) . Alphabetical “nearby” lists are intentionally not used here - amount proximity is the comparison that matters for payment standards.
What are the HUD FY2026 bedroom FMRs for Chicago-Joliet-Naperville, IL HUD Metro FMR Area?
| Size | HUD FMR |
|---|---|
| Studio | $1,480/mo |
| 1-BR | $1,581/mo |
| 2-BR | $1,781/mo |
| 3-BR | $2,294/mo |
| 4-BR | $2,653/mo |
Section 8 payment standard range for Chicago-Joliet-Naperville, IL HUD Metro FMR Area
HUD lets each Public Housing Authority set its payment standard between 90% and 110% of the published Fair Market Rent for the bedroom size served. These dollar amounts are derived from HUD FY2026 FMR for Chicago-Joliet-Naperville, IL HUD Metro FMR Area; your PHA may choose a figure inside this band. This is not a quote for a specific unit, availability, or waitlist status.
| Size | HUD FMR | 90% floor | 110% ceiling |
|---|---|---|---|
| Studio | $1,480/mo | $1,332/mo | $1,628/mo |
| 1-BR | $1,581/mo | $1,423/mo | $1,739/mo |
| 2-BR | $1,781/mo | $1,603/mo | $1,959/mo |
| 3-BR | $2,294/mo | $2,065/mo | $2,523/mo |
| 4-BR | $2,653/mo | $2,388/mo | $2,918/mo |
For a 2-bedroom in Chicago-Joliet-Naperville, IL HUD Metro FMR Area, the HUD reference rent is $1,781/month, so the lawful payment-standard band runs $1,603–$1,959/month before any tenant income share.
HUD FMR filing-year trail · Chicago-Joliet-Naperville, IL HUD Metro FMR Area
Published two-bedroom Fair Market Rent for this HUD area across FY2022-2026. Year-over-year deltas compare adjacent fiscal years only. This is a historical HUD reference-rent series, not a PHA payment standard, unit quote, availability, eligibility, or waitlist result.
- Latest 2-BR
- $1,781
- FY2026
- vs prior FY
- +1.1%
- from FY2025 $1,761
- Span change
- +32.9%
- FY2022-2026
- Years shown
- 5
- HUD FMR history
| FY | 2-BR FMR | YoY |
|---|---|---|
| 2022 | $1,340/mo | - |
| 2023 | $1,440/mo | +7.5% |
| 2024 | $1,714/mo | +19.0% |
| 2025 | $1,761/mo | +2.7% |
| 2026 | $1,781/mo | +1.1% |
Source: HUD USER Fair Market Rents historical series for Chicago-Joliet-Naperville, IL HUD Metro FMR Area, FY2022-2026. Adjacent-year deltas only.
ACS median 2-BR rent $1,391/mo → 28.0% above market (generous). Detail: gap analysis for Chicago-Joliet-Naperville, IL HUD Metro FMR Area.
IL agencies near this metro's scale key
Housing authorities in IL whose HCV caseload sits closest to a CBSA-stable scale target (not the statewide giants list - that list was identical across siblings):
- Fulton County Housing Authority
- Moline Housing Authority
- Woodford County Housing Authority
- Housing Authority of the Town of Cicero
- Housing Authority of Marion County
- Illinois Housing Development Authority
- Knox County Housing Authority
- Housing Authority of the County of Boone
- Whiteside County Housing Authority
- East Peoria Housing Authority
Full near-amount ladder
- Crestview-Fort Walton Beach-Destin, FL HUD Metro FMR Area · $1,785
- Charleston-North Charleston, SC MSA · $1,787
- Ansonia town, CT Exception Area · $1,788
- Martin County, TX HUD Metro FMR Area · $1,772
- Ocean City, NJ MSA · $1,792
- Bellingham, WA MSA · $1,794
- Modesto, CA MSA · $1,758
- Port St. Lucie, FL MSA · $1,757
- Palm Coast, FL HUD Metro FMR Area · $1,806
- Ithaca, NY MSA · $1,753
- Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA · $1,810
- Raleigh-Cary, NC MSA · $1,750
What to do with this FMR desk
Chicago-Joliet-Naperville, IL HUD FY2026 2-BR FMR is $1,781/mo; use the schedule as a source desk, not a lease quote.
- Read the FY2022-2026 filing trail (+32.9% across the span) before comparing peers. FMR history on this page
- Open the voucher-vs-market gap board for this CBSA (28.0% above market). Metro gap page
- Confirm how PHAs may set payment standards at 90-110% of FMR, and why the two figures are not interchangeable. FMR vs payment standard
FMR is HUD's published Fair Market Rent for this FMR area. It is not a PHA payment standard, unit quote, eligibility result, or waitlist status. Confirm any leasing figure with the PHA that serves the unit.
Source: HUD USER Fair Market Rent (FY2026) ; Census ACS median gross rent. Confirm the live PHA figure before leasing. Methodology.
Verify with HUD → · Verify with U.S. Census Bureau → · Set a September HUD update reminder