Chicago-Joliet-Naperville, IL: 2-bedroom payment standards across 337 ZIP codes

HUD's FY2026 Small Area Fair Market Rents for Chicago-Joliet-Naperville, IL HUD Metro FMR Area range from $1,170 to $2,670 for a 2-bedroom. The 90th-percentile ZIP code runs 1.74× the 10th — a gap of $1,078 a month — which ranks 2nd widest of the 247 HUD metro areas we compare.

HUD requires ZIP-level payment standards here. Chicago-Joliet-Naperville, IL is one of the 65 designated Small Area FMR areas, so housing authorities in this area set payment standards from each ZIP code's own SAFMR rather than one area-wide figure. The spread below is policy, not a gap — though your PHA still chooses a figure within 90–110% of each ZIP's SAFMR, and may group ZIP codes together.
$1,790

median 2-bedroom SAFMR across the area's 337 ZIP codes. Each ZIP code carries its own standard here; your PHA sets a figure within 90–110% of that ZIP's SAFMR.

$1,078

monthly gap between the 90th- and 10th-percentile ZIP code ($1,456 to $2,534).

38.9%

of the area's ZIP codes (131 of 337) sit above $1,969 — 110% of the area median. Because ZIP-level standards are required here, that is a measure of the area's rent spread, not of ZIP codes left behind by a ceiling.

Highest-rent ZIP codes in Chicago-Joliet-Naperville, IL

60010$2,67060015$2,67060021$2,67060045$2,67060053$2,67060069$2,67060175$2,67060183$2,67060192$2,67060301$2,67060422$2,67060461$2,67060490$2,67060564$2,67060601$2,67060602$2,67060603$2,67060604$2,67060605$2,67060606$2,67060607$2,67060610$2,67060611$2,67060614$2,67060642$2,670area median $1,790
2 BR Small Area FMR area median across all 337 ZIPs

Every ZIP code, ranked

The payment-standard column is HUD's published 90–110% band for that ZIP code — the range a housing authority may adopt without HUD approval. Your PHA sets the exact figure. The final column compares each ZIP to the area median; ZIP codes marked above 110% exceed 110% of that median, which here simply marks the top of the area's rent range — ZIP-level standards are required in this area, so no ZIP is capped by an area-wide figure.

Showing 337 of 337 ZIP codes
# ZIP code 2 BR SAFMR Payment standard (90–110%) vs area median
160010$2,670$2,403–$2,937above 110%
260015$2,670$2,403–$2,937above 110%
360021$2,670$2,403–$2,937above 110%
460045$2,670$2,403–$2,937above 110%
560053$2,670$2,403–$2,937above 110%
660069$2,670$2,403–$2,937above 110%
760175$2,670$2,403–$2,937above 110%
860183$2,670$2,403–$2,937above 110%
960192$2,670$2,403–$2,937above 110%
1060301$2,670$2,403–$2,937above 110%
1160422$2,670$2,403–$2,937above 110%
1260461$2,670$2,403–$2,937above 110%
1360490$2,670$2,403–$2,937above 110%
1460564$2,670$2,403–$2,937above 110%
1560601$2,670$2,403–$2,937above 110%
1660602$2,670$2,403–$2,937above 110%
1760603$2,670$2,403–$2,937above 110%
1860604$2,670$2,403–$2,937above 110%
1960605$2,670$2,403–$2,937above 110%
2060606$2,670$2,403–$2,937above 110%
2160607$2,670$2,403–$2,937above 110%
2260610$2,670$2,403–$2,937above 110%
2360611$2,670$2,403–$2,937above 110%
2460614$2,670$2,403–$2,937above 110%
2560642$2,670$2,403–$2,937above 110%
2660654$2,670$2,403–$2,937above 110%
2760657$2,670$2,403–$2,937above 110%
2860661$2,670$2,403–$2,937above 110%
2960712$2,670$2,403–$2,937above 110%
3060558$2,640$2,376–$2,904above 110%
3160613$2,640$2,376–$2,904above 110%
3260091$2,620$2,358–$2,882above 110%
3360089$2,560$2,304–$2,816above 110%
3460043$2,540$2,286–$2,794above 110%
3560124$2,530$2,277–$2,783above 110%
3660622$2,470$2,223–$2,717above 110%
3760035$2,460$2,214–$2,706above 110%
3860521$2,450$2,205–$2,695above 110%
3960102$2,420$2,178–$2,662above 110%
4060502$2,420$2,178–$2,662above 110%
4160519$2,420$2,178–$2,662above 110%
4260093$2,410$2,169–$2,651above 110%
4360473$2,400$2,160–$2,640above 110%
4460563$2,400$2,160–$2,640above 110%
4560022$2,390$2,151–$2,629above 110%
4660026$2,390$2,151–$2,629above 110%
4760061$2,390$2,151–$2,629above 110%
4860203$2,390$2,151–$2,629above 110%
4960404$2,390$2,151–$2,629above 110%
5060062$2,370$2,133–$2,607above 110%
5160136$2,370$2,133–$2,607above 110%
5260201$2,370$2,133–$2,607above 110%
5360208$2,370$2,133–$2,607above 110%
5460540$2,370$2,133–$2,607above 110%
5560126$2,360$2,124–$2,596above 110%
5660047$2,350$2,115–$2,585above 110%
5760088$2,340$2,106–$2,574above 110%
5860107$2,340$2,106–$2,574above 110%
5960173$2,340$2,106–$2,574above 110%
6060194$2,330$2,097–$2,563above 110%
6160467$2,330$2,097–$2,563above 110%
6260446$2,310$2,079–$2,541above 110%
6360640$2,300$2,070–$2,530above 110%
6460029$2,290$2,061–$2,519above 110%
6560103$2,290$2,061–$2,519above 110%
6660193$2,280$2,052–$2,508above 110%
6760134$2,270$2,043–$2,497above 110%
6860565$2,270$2,043–$2,497above 110%
6960464$2,260$2,034–$2,486above 110%
7060042$2,250$2,025–$2,475above 110%
7160083$2,250$2,025–$2,475above 110%
7260040$2,240$2,016–$2,464above 110%
7360463$2,240$2,016–$2,464above 110%
7460478$2,240$2,016–$2,464above 110%
7560647$2,220$1,998–$2,442above 110%
7660004$2,190$1,971–$2,409above 110%
7760148$2,190$1,971–$2,409above 110%
7860154$2,190$1,971–$2,409above 110%
7960189$2,190$1,971–$2,409above 110%
8060561$2,190$1,971–$2,409above 110%
8160174$2,170$1,953–$2,387above 110%
8260202$2,170$1,953–$2,387above 110%
8360615$2,160$1,944–$2,376above 110%
8460555$2,150$1,935–$2,365above 110%
8560660$2,150$1,935–$2,365above 110%
8660143$2,130$1,917–$2,343above 110%
8760187$2,130$1,917–$2,343above 110%
8860195$2,110$1,899–$2,321above 110%
8960515$2,110$1,899–$2,321above 110%
9060025$2,100$1,890–$2,310above 110%
9160044$2,100$1,890–$2,310above 110%
9260156$2,100$1,890–$2,310above 110%
9360191$2,100$1,890–$2,310above 110%
9460625$2,100$1,890–$2,310above 110%
9560177$2,090$1,881–$2,299above 110%
9660190$2,090$1,881–$2,299above 110%
9760428$2,090$1,881–$2,299above 110%
9860184$2,080$1,872–$2,288above 110%
9960516$2,080$1,872–$2,288above 110%
10060491$2,070$1,863–$2,277above 110%
10160169$2,060$1,854–$2,266above 110%
10260440$2,060$1,854–$2,266above 110%
10360425$2,050$1,845–$2,255above 110%
10460046$2,040$1,836–$2,244above 110%
10560051$2,040$1,836–$2,244above 110%
10660157$2,040$1,836–$2,244above 110%
10760532$2,040$1,836–$2,244above 110%
10860031$2,030$1,827–$2,233above 110%
10960108$2,030$1,827–$2,233above 110%
11060542$2,020$1,818–$2,222above 110%
11160117$2,010$1,809–$2,211above 110%
11260122$2,010$1,809–$2,211above 110%
11360138$2,010$1,809–$2,211above 110%
11460181$2,010$1,809–$2,211above 110%
11560186$2,010$1,809–$2,211above 110%
11660199$2,010$1,809–$2,211above 110%
11760522$2,010$1,809–$2,211above 110%
11860527$2,010$1,809–$2,211above 110%
11960566$2,010$1,809–$2,211above 110%
12060598$2,010$1,809–$2,211above 110%
12160599$2,010$1,809–$2,211above 110%
12260012$2,000$1,800–$2,200above 110%
12360048$2,000$1,800–$2,200above 110%
12460172$2,000$1,800–$2,200above 110%
12560443$2,000$1,800–$2,200above 110%
12660626$2,000$1,800–$2,200above 110%
12760007$1,990$1,791–$2,189above 110%
12860060$1,990$1,791–$2,189above 110%
12960618$1,990$1,791–$2,189above 110%
13060030$1,980$1,782–$2,178above 110%
13160616$1,970$1,773–$2,167above 110%
13260090$1,960$1,764–$2,156109%
13360567$1,960$1,764–$2,156109%
13460076$1,950$1,755–$2,145109%
13560005$1,940$1,746–$2,134108%
13660008$1,940$1,746–$2,134108%
13760013$1,940$1,746–$2,134108%
13860068$1,940$1,746–$2,134108%
13960139$1,930$1,737–$2,123108%
14060645$1,930$1,737–$2,123108%
14160056$1,910$1,719–$2,101107%
14260073$1,910$1,719–$2,101107%
14360142$1,910$1,719–$2,101107%
14460050$1,900$1,710–$2,090106%
14560067$1,900$1,710–$2,090106%
14660074$1,900$1,710–$2,090106%
14760559$1,900$1,710–$2,090106%
14860016$1,890$1,701–$2,079106%
14960133$1,890$1,701–$2,079106%
15060419$1,880$1,692–$2,068105%
15160441$1,880$1,692–$2,068105%
15260517$1,880$1,692–$2,068105%
15360631$1,880$1,692–$2,068105%
15460448$1,850$1,665–$2,035103%
15560423$1,840$1,656–$2,024103%
15660484$1,840$1,656–$2,024103%
15760612$1,840$1,656–$2,024103%
15860630$1,840$1,656–$2,024103%
15960110$1,830$1,647–$2,013102%
16060659$1,830$1,647–$2,013102%
16160429$1,820$1,638–$2,002102%
16260014$1,810$1,629–$1,991101%
16360037$1,810$1,629–$1,991101%
16460079$1,810$1,629–$1,991101%
16560188$1,810$1,629–$1,991101%
16660466$1,810$1,629–$1,991101%
16760077$1,800$1,620–$1,980101%
16860305$1,800$1,620–$1,980101%
16960011$1,790$1,611–$1,969100%
17060302$1,790$1,611–$1,969100%
17160462$1,790$1,611–$1,969100%
17260118$1,780$1,602–$1,95899%
17360480$1,780$1,602–$1,95899%
17460525$1,770$1,593–$1,94799%
17560539$1,770$1,593–$1,94799%
17660162$1,760$1,584–$1,93698%
17760434$1,760$1,584–$1,93698%
17860477$1,760$1,584–$1,93698%
17960487$1,760$1,584–$1,93698%
18060006$1,750$1,575–$1,92598%
18160009$1,750$1,575–$1,92598%
18260017$1,750$1,575–$1,92598%
18360055$1,750$1,575–$1,92598%
18460065$1,750$1,575–$1,92598%
18560078$1,750$1,575–$1,92598%
18660095$1,750$1,575–$1,92598%
18760121$1,750$1,575–$1,92598%
18860147$1,750$1,575–$1,92598%
18960159$1,750$1,575–$1,92598%
19060161$1,750$1,575–$1,92598%
19160168$1,750$1,575–$1,92598%
19260185$1,750$1,575–$1,92598%
19360196$1,750$1,575–$1,92598%
19460204$1,750$1,575–$1,92598%
19560303$1,750$1,575–$1,92598%
19660412$1,750$1,575–$1,92598%
19760430$1,750$1,575–$1,92598%
19860454$1,750$1,575–$1,92598%
19960499$1,750$1,575–$1,92598%
20060507$1,750$1,575–$1,92598%
20160656$1,750$1,575–$1,92598%
20260666$1,750$1,575–$1,92598%
20360669$1,750$1,575–$1,92598%
20460670$1,750$1,575–$1,92598%
20560673$1,750$1,575–$1,92598%
20660674$1,750$1,575–$1,92598%
20760675$1,750$1,575–$1,92598%
20860678$1,750$1,575–$1,92598%
20960682$1,750$1,575–$1,92598%
21060685$1,750$1,575–$1,92598%
21160686$1,750$1,575–$1,92598%
21260687$1,750$1,575–$1,92598%
21360688$1,750$1,575–$1,92598%
21460689$1,750$1,575–$1,92598%
21560690$1,750$1,575–$1,92598%
21660693$1,750$1,575–$1,92598%
21760694$1,750$1,575–$1,92598%
21860695$1,750$1,575–$1,92598%
21960697$1,750$1,575–$1,92598%
22060699$1,750$1,575–$1,92598%
22160701$1,750$1,575–$1,92598%
22260652$1,740$1,566–$1,91497%
22360655$1,730$1,557–$1,90397%
22460039$1,720$1,548–$1,89296%
22560106$1,720$1,548–$1,89296%
22660526$1,720$1,548–$1,89296%
22760641$1,720$1,548–$1,89296%
22860646$1,720$1,548–$1,89296%
22960070$1,710$1,539–$1,88196%
23060403$1,690$1,521–$1,85994%
23160130$1,680$1,512–$1,84894%
23260456$1,680$1,512–$1,84894%
23360634$1,680$1,512–$1,84894%
23460643$1,680$1,512–$1,84894%
23560469$1,670$1,503–$1,83793%
23660707$1,670$1,503–$1,83793%
23760436$1,660$1,494–$1,82693%
23860471$1,660$1,494–$1,82693%
23960020$1,650$1,485–$1,81592%
24060805$1,650$1,485–$1,81592%
24160084$1,640$1,476–$1,80492%
24260097$1,640$1,476–$1,80492%
24360120$1,640$1,476–$1,80492%
24460137$1,640$1,476–$1,80492%
24560453$1,640$1,476–$1,80492%
24660087$1,630$1,467–$1,79391%
24760304$1,630$1,467–$1,79391%
24860435$1,630$1,467–$1,79391%
24960451$1,630$1,467–$1,79391%
25060465$1,620$1,458–$1,78291%
25160472$1,620$1,458–$1,78291%
25260510$1,620$1,458–$1,78291%
25360452$1,610$1,449–$1,77190%
25460505$1,610$1,449–$1,77190%
25560180$1,600$1,440–$1,76089%
25660546$1,600$1,440–$1,76089%
25760075$1,590$1,431–$1,74989%
25860123$1,590$1,431–$1,74989%
25960171$1,590$1,431–$1,74989%
26060433$1,590$1,431–$1,74989%
26160459$1,590$1,431–$1,74989%
26260638$1,590$1,431–$1,74989%
26360176$1,580$1,422–$1,73888%
26460513$1,580$1,422–$1,73888%
26560706$1,580$1,422–$1,73888%
26660101$1,570$1,413–$1,72788%
26760417$1,570$1,413–$1,72788%
26860418$1,570$1,413–$1,72788%
26960438$1,570$1,413–$1,72788%
27060458$1,570$1,413–$1,72788%
27160432$1,560$1,404–$1,71687%
27260639$1,560$1,404–$1,71687%
27360714$1,560$1,404–$1,71687%
27460439$1,550$1,395–$1,70587%
27560085$1,540$1,386–$1,69486%
27660514$1,540$1,386–$1,69486%
27760624$1,540$1,386–$1,69486%
27860098$1,530$1,377–$1,68385%
27960637$1,530$1,377–$1,68385%
28060651$1,530$1,377–$1,68385%
28160072$1,520$1,368–$1,67285%
28260153$1,520$1,368–$1,67285%
28360160$1,520$1,368–$1,67285%
28460165$1,520$1,368–$1,67285%
28560649$1,520$1,368–$1,67285%
28660081$1,510$1,359–$1,66184%
28760096$1,510$1,359–$1,66184%
28860002$1,500$1,350–$1,65084%
28960449$1,500$1,350–$1,65084%
29060608$1,500$1,350–$1,65084%
29160099$1,490$1,341–$1,63983%
29260104$1,490$1,341–$1,63983%
29360415$1,490$1,341–$1,63983%
29460628$1,490$1,341–$1,63983%
29560804$1,490$1,341–$1,63983%
29660071$1,480$1,332–$1,62883%
29760476$1,480$1,332–$1,62883%
29860109$1,470$1,323–$1,61782%
29960411$1,470$1,323–$1,61782%
30060482$1,470$1,323–$1,61782%
30160018$1,460$1,314–$1,60682%
30260402$1,460$1,314–$1,60682%
30360445$1,460$1,314–$1,60682%
30460131$1,450$1,305–$1,59581%
30560144$1,450$1,305–$1,59581%
30660409$1,450$1,305–$1,59581%
30760619$1,450$1,305–$1,59581%
30860620$1,450$1,305–$1,59581%
30960633$1,450$1,305–$1,59581%
31060644$1,450$1,305–$1,59581%
31160827$1,450$1,305–$1,59581%
31260064$1,430$1,287–$1,57380%
31360155$1,420$1,278–$1,56279%
31460163$1,410$1,269–$1,55179%
31560034$1,400$1,260–$1,54078%
31660455$1,400$1,260–$1,54078%
31760164$1,390$1,251–$1,52978%
31860442$1,390$1,251–$1,52978%
31960421$1,380$1,242–$1,51877%
32060803$1,380$1,242–$1,51877%
32160457$1,360$1,224–$1,49676%
32260534$1,360$1,224–$1,49676%
32360629$1,360$1,224–$1,49676%
32460653$1,360$1,224–$1,49676%
32560406$1,350$1,215–$1,48575%
32660426$1,340$1,206–$1,47475%
32760621$1,330$1,197–$1,46374%
32860041$1,320$1,188–$1,45274%
32960501$1,320$1,188–$1,45274%
33060623$1,320$1,188–$1,45274%
33160636$1,320$1,188–$1,45274%
33260617$1,310$1,179–$1,44173%
33360632$1,300$1,170–$1,43073%
33460609$1,290$1,161–$1,41972%
33560475$1,270$1,143–$1,39771%
33660141$1,220$1,098–$1,34268%
33760523$1,170$1,053–$1,28765%
Heads up: The figure above is the HUD Fair Market Rent. Your local Public Housing Authority (PHA) sets the actual payment standard — usually between 90% and 110% of it — so confirm your exact amount with the PHA that issued the voucher.

How Chicago-Joliet-Naperville, IL compares

Its internal spread of 1.74× (p90 ÷ p10) ranks 2 of 247 HUD metro FMR areas, against a median of 1.37× and a national high of 1.77×. On the steadier p75 ÷ p25 measure it is 1.34×. See the full ranking and how it was measured →

A note on what this does not mean: a higher payment standard does not increase the assistance a household receives. It raises the ceiling on the rent a voucher can cover, while the household still pays roughly 30% of adjusted income. Figures are ZIP-weighted, not renter-weighted, and rest on 2019–2023 American Community Survey data trended forward.

This page shows official HUD Fair Market Rent data for general educational use — it is not legal, financial, or housing advice, and is not a guarantee of any voucher amount. Your local Public Housing Authority sets the actual payment standard and approves rents. Always confirm with your PHA and the official HUD FMR data.

Check a rent against a ZIP code → All 247 metro areas →