Illinois premium ZIP codes, ranked
| # | ZIP | Location | Voucher rent (2BR) | Voucher rent (3BR) | Typical market rent | Premium | Basis | |
|---|---|---|---|---|---|---|---|---|
| 1 | 61605 | PeoriaPeoria County | $1,212 | $1,557 | $818 | +48% | County FMR | Analyze deal |
| 2 | 60021 | Fox River GroveMcHenry County | $3,020 | $3,880 | $2,100 | +44% | ZIP SAFMR | Analyze deal |
| 3 | 61866 | RantoulChampaign County | $1,173 | $1,474 | $853 | +38% | County FMR | Analyze deal |
| 4 | 60615 | ChicagoCook County | $2,440 | $3,140 | $1,831 | +33% | ZIP SAFMR | Analyze deal |
| 5 | 60660 | ChicagoCook County | $2,500 | $3,210 | $1,883 | +33% | ZIP SAFMR | Analyze deal |
| 6 | 62002 | AltonMadison County | $1,300 | $1,670 | $981 | +33% | ZIP SAFMR | Analyze deal |
| 7 | 62901 | CarbondaleJackson County | $930 | $1,212 | $702 | +33% | County FMR | Analyze deal |
| 8 | 60548 | SandwichDeKalb County | $1,481 | $2,006 | $1,123 | +32% | County FMR | Analyze deal |
| 9 | 60195 | Hoffman EstatesCook County | $2,390 | $3,070 | $1,814 | +32% | ZIP SAFMR | Analyze deal |
| 10 | 61554 | PekinTazewell County | $1,212 | $1,557 | $926 | +31% | County FMR | Analyze deal |
| 11 | 60093 | WinnetkaCook County | $2,630 | $3,380 | $2,010 | +31% | ZIP SAFMR | Analyze deal |
| 12 | 60626 | ChicagoCook County | $2,280 | $2,930 | $1,752 | +30% | ZIP SAFMR | Analyze deal |
| 13 | 61920 | CharlestonColes County | $950 | $1,231 | $732 | +30% | County FMR | Analyze deal |
| 14 | 60804 | CiceroCook County | $1,690 | $2,170 | $1,314 | +29% | ZIP SAFMR | Analyze deal |
| 15 | 60640 | ChicagoCook County | $2,600 | $3,340 | $2,026 | +28% | ZIP SAFMR | Analyze deal |
| 16 | 62526 | DecaturMacon County | $1,091 | $1,407 | $856 | +28% | County FMR | Analyze deal |
| 17 | 60174 | Saint CharlesKane County | $2,440 | $3,140 | $1,925 | +27% | ZIP SAFMR | Analyze deal |
| 18 | 60563 | NapervilleDuPage County | $2,690 | $3,460 | $2,131 | +26% | ZIP SAFMR | Analyze deal |
| 19 | 60301 | Oak ParkCook County | $3,020 | $3,880 | $2,394 | +26% | ZIP SAFMR | Analyze deal |
| 20 | 60007 | Elk Grove VillageCook County | $2,210 | $2,840 | $1,758 | +26% | ZIP SAFMR | Analyze deal |
| 21 | 60625 | ChicagoCook County | $2,390 | $3,070 | $1,912 | +25% | ZIP SAFMR | Analyze deal |
| 22 | 60087 | WaukeganLake County | $1,840 | $2,370 | $1,475 | +25% | ZIP SAFMR | Analyze deal |
| 23 | 60435 | JolietWill County | $1,880 | $2,420 | $1,511 | +24% | ZIP SAFMR | Analyze deal |
| 24 | 60193 | SchaumburgCook County | $2,640 | $3,400 | $2,133 | +24% | ZIP SAFMR | Analyze deal |
| 25 | 60827 | RiverdaleCook County | $1,610 | $2,070 | $1,306 | +23% | ZIP SAFMR | Analyze deal |
| 26 | 60148 | LombardDuPage County | $2,560 | $3,290 | $2,088 | +23% | ZIP SAFMR | Analyze deal |
| 27 | 60649 | ChicagoCook County | $1,710 | $2,200 | $1,395 | +23% | ZIP SAFMR | Analyze deal |
| 28 | 62522 | DecaturMacon County | $1,091 | $1,407 | $890 | +23% | County FMR | Analyze deal |
| 29 | 60616 | ChicagoCook County | $2,270 | $2,920 | $1,858 | +22% | ZIP SAFMR | Analyze deal |
| 30 | 61604 | PeoriaPeoria County | $1,212 | $1,557 | $994 | +22% | County FMR | Analyze deal |
| 31 | 60613 | ChicagoCook County | $2,910 | $3,740 | $2,393 | +22% | ZIP SAFMR | Analyze deal |
| 32 | 60656 | ChicagoCook County | $1,960 | $2,520 | $1,619 | +21% | ZIP SAFMR | Analyze deal |
| 33 | 60005 | Arlington HeightsCook County | $2,200 | $2,830 | $1,818 | +21% | ZIP SAFMR | Analyze deal |
| 34 | 60446 | RomeovilleWill County | $2,570 | $3,300 | $2,124 | +21% | ZIP SAFMR | Analyze deal |
| 35 | 60053 | Morton GroveCook County | $3,020 | $3,880 | $2,497 | +21% | ZIP SAFMR | Analyze deal |
| 36 | 60532 | LisleDuPage County | $2,380 | $3,060 | $1,981 | +20% | ZIP SAFMR | Analyze deal |
| 37 | 60603 | ChicagoCook County | $2,960 | $3,810 | $2,464 | +20% | ZIP SAFMR | Analyze deal |
| 38 | 60504 | AuroraDuPage County | $2,700 | $3,470 | $2,250 | +20% | ZIP SAFMR | Analyze deal |
| 39 | 60130 | Forest ParkCook County | $1,900 | $2,440 | $1,592 | +19% | ZIP SAFMR | Analyze deal |
| 40 | 60450 | MorrisGrundy County | $1,613 | $2,219 | $1,352 | +19% | County FMR | Analyze deal |
| 41 | 60031 | GurneeLake County | $2,310 | $2,970 | $1,939 | +19% | ZIP SAFMR | Analyze deal |
| 42 | 62220 | BellevilleSaint Clair County | $1,220 | $1,570 | $1,024 | +19% | ZIP SAFMR | Analyze deal |
| 43 | 60484 | University ParkWill County | $2,260 | $2,910 | $1,900 | +19% | ZIP SAFMR | Analyze deal |
| 44 | 60173 | SchaumburgCook County | $2,470 | $3,180 | $2,087 | +18% | ZIP SAFMR | Analyze deal |
| 45 | 60517 | WoodridgeDuPage County | $2,040 | $2,620 | $1,725 | +18% | ZIP SAFMR | Analyze deal |
| 46 | 61455 | MacombMcDonough County | $930 | $1,186 | $786 | +18% | County FMR | Analyze deal |
| 47 | 60015 | DeerfieldLake County | $3,020 | $3,880 | $2,557 | +18% | ZIP SAFMR | Analyze deal |
| 48 | 60098 | WoodstockMcHenry County | $1,670 | $2,150 | $1,415 | +18% | ZIP SAFMR | Analyze deal |
| 49 | 60636 | ChicagoCook County | $1,620 | $2,080 | $1,373 | +18% | ZIP SAFMR | Analyze deal |
| 50 | 60657 | ChicagoCook County | $3,020 | $3,880 | $2,559 | +18% | ZIP SAFMR | Analyze deal |
| 51 | 60187 | WheatonDuPage County | $2,390 | $3,070 | $2,027 | +18% | ZIP SAFMR | Analyze deal |
| 52 | 60120 | ElginCook County | $1,910 | $2,460 | $1,624 | +18% | ZIP SAFMR | Analyze deal |
| 53 | 60089 | Buffalo GroveLake County | $2,850 | $3,670 | $2,428 | +17% | ZIP SAFMR | Analyze deal |
| 54 | 60602 | ChicagoCook County | $3,020 | $3,880 | $2,574 | +17% | ZIP SAFMR | Analyze deal |
| 55 | 60004 | Arlington HeightsCook County | $2,470 | $3,180 | $2,107 | +17% | ZIP SAFMR | Analyze deal |
| 56 | 60051 | LakemoorMcHenry County | $2,270 | $2,920 | $1,938 | +17% | ZIP SAFMR | Analyze deal |
| 57 | 60056 | Mount ProspectCook County | $2,040 | $2,620 | $1,754 | +16% | ZIP SAFMR | Analyze deal |
| 58 | 60102 | AlgonquinMcHenry County | $2,690 | $3,460 | $2,318 | +16% | ZIP SAFMR | Analyze deal |
| 59 | 61201 | Rock IslandRock Island County | $1,056 | $1,396 | $911 | +16% | County FMR | Analyze deal |
| 60 | 60124 | ElginKane County | $2,690 | $3,460 | $2,324 | +16% | ZIP SAFMR | Analyze deal |
| 61 | 60160 | Melrose ParkCook County | $1,640 | $2,110 | $1,417 | +16% | ZIP SAFMR | Analyze deal |
| 62 | 60402 | BerwynCook County | $1,630 | $2,100 | $1,410 | +16% | ZIP SAFMR | Analyze deal |
| 63 | 60561 | DarienDuPage County | $2,510 | $3,230 | $2,171 | +16% | ZIP SAFMR | Analyze deal |
| 64 | 60659 | ChicagoCook County | $2,080 | $2,670 | $1,799 | +16% | ZIP SAFMR | Analyze deal |
| 65 | 60155 | BroadviewCook County | $1,550 | $1,990 | $1,345 | +15% | ZIP SAFMR | Analyze deal |
| 66 | 61103 | RockfordWinnebago County | $1,172 | $1,542 | $1,021 | +15% | County FMR | Analyze deal |
| 67 | 62221 | BellevilleSaint Clair County | $1,370 | $1,760 | $1,194 | +15% | ZIP SAFMR | Analyze deal |
| 68 | 60169 | Hoffman EstatesCook County | $2,310 | $2,970 | $2,016 | +15% | ZIP SAFMR | Analyze deal |
| 69 | 60503 | AuroraWill County | $2,910 | $3,760 | $2,539 | +15% | ZIP SAFMR | Analyze deal |
| 70 | 61071 | Rock FallsWhiteside County | $945 | $1,237 | $825 | +15% | County FMR | Analyze deal |
| 71 | 60134 | GenevaKane County | $2,460 | $3,160 | $2,150 | +14% | ZIP SAFMR | Analyze deal |
| 72 | 60661 | ChicagoCook County | $3,020 | $3,880 | $2,640 | +14% | ZIP SAFMR | Analyze deal |
| 73 | 60304 | Oak ParkCook County | $1,820 | $2,340 | $1,593 | +14% | ZIP SAFMR | Analyze deal |
| 74 | 61264 | MilanRock Island County | $1,056 | $1,396 | $925 | +14% | County FMR | Analyze deal |
| 75 | 60415 | Chicago RidgeCook County | $1,730 | $2,220 | $1,518 | +14% | ZIP SAFMR | Analyze deal |
Premium compares the 2-bedroom voucher rent to the ZIP's typical asking rent across all home sizes. Rent data provided by Zillow Research.
How these numbers are calculated
- Voucher rent is the HUD FY2027 2-bedroom Small Area Fair Market Rent (SAFMR) where it applies, otherwise the county or metro Fair Market Rent. This is the basis housing authorities use to set payment standards, typically 90 to 110 percent of it, and it is a gross rent that includes a utility allowance.
- Typical market rent is the Zillow Observed Rent Index (ZORI) for the ZIP code as of July 2026, a smoothed measure of asking rents across all home types and sizes. Rent data provided by Zillow Research.
- Premium compares the 2-bedroom voucher rent against that blended market figure, which is the conservative comparison. Premiums for 3 and 4 bedroom homes are often larger.
- The premium is a screening signal, not a guarantee. Housing authorities run a rent reasonableness review against unassisted comparables before approving any contract rent, and the payment standard is a ceiling, not an entitlement. Always verify with the local housing authority.
Sources: HUD Fair Market Rents and Zillow Research (ZORI). FMRs effective October 1 each year; ZORI updates monthly.
Frequently asked questions
- Which ZIP code in Illinois has the biggest Section 8 premium?
- 61605 (Peoria) currently shows the largest gap: the 2-bedroom voucher rent basis is $1,212 against a typical market rent of $818, a +48% premium.
- How many ZIP codes in Illinois pay above market rent?
- Of the 305 Illinois ZIP codes with both HUD and market rent data, 188 currently show a voucher rent basis above the typical asking rent.
- Can I actually charge the full amount shown here?
- Not automatically. The housing authority sets a payment standard between 90 and 110 percent of the FMR or SAFMR, and every lease passes a rent reasonableness review against comparable unassisted units. Treat the premium as a screening signal for where to look, then verify with the local housing authority.