Metro FMR · CBSA 16980 · HUD FY2026

Chicago-Joliet-Naperville, IL HUD Metro FMR Area Fair Market Rent

HUD's FY2026 Fair Market Rent for the Chicago-Joliet-Naperville, IL HUD Metro FMR Area metro area - 65% above the US average.

$1,581
1-bedroom FMR
$1,781
2-bedroom FMR
+1.3%
YoY change
+65%
vs US avg

The verdict

A 2-bedroom in the Chicago-Joliet-Naperville, IL HUD Metro FMR Area area rents at $1,781 under HUD's FY2026 Fair Market Rent - 52% above the US average, higher than 84% of the 387 metro areas HUD tracks.

#62
priciest of 387 US metros (2BR)
+52%
vs the US 2-bedroom average
$71,240
income to afford it (30% rule)
+1.3%
1BR change, FY2025→2026

Affordability & income context

Chicago-Joliet-Naperville: #62 priciest nationally · income context

At the metro's ACS median household income of $88,850, this 1-bedroom FMR takes 21.4% of annual income. It remains below the 30% affordability guide, but is a material part of a median-income household's budget.

The 2-bedroom figure places Chicago-Joliet-Naperville in the upper-rent quarter of HUD metro areas, using the same FY2026 HUD schedule as the national comparison.

With 9,398,262 residents, this is a large metro benchmark rather than a single-neighborhood rent quote.

Its 2-bedroom FMR sits in the upper-rent quarter of HUD metro areas, so the local-income comparison is more informative than the national rank alone.

The studio-through-two-bedroom FMR bands stay below 30% of recorded median income here; the larger-bedroom rows show where that headroom narrows.

Observed renter burden: 45.1% of the 1,254,739 renter households counted by ACS paid at least 30% of income in gross rent. This ACS 2023 household measure is distinct from the FY2026 HUD FMR benchmark.

ACS median household income lags the FY2026 HUD FMR schedule. The income share is a same-metro cross-source read (Census ACS B19013 vs HUD FMR), not a same-vintage ratio.

Studio

$1,480/mo

20.0% of median income

1 Bedroom

$1,581/mo

21.4% of median income

2 Bedroom

$1,781/mo

24.1% of median income

3 Bedroom

$2,294/mo

31.0% of median income

4 Bedroom

$2,653/mo

35.8% of median income

FMR filing desk

CBSA CBSA·16980

Chicago-Joliet-Naperville: $1,581/mo 1BR · #62 of 387 metros (2BR) · FY2026 CBSA 16980

  • CBSA 16980
  • 1BR-FMR $1,581
  • 2BR-FMR $1,781
  • RANK-MID #62
  • YOY-FLAT +1.3%
  • VSUS-HIGH +65%
  • IN-ST-HIGH #10 IL
  • INC-MID 21%
  • POP-MEGA 9.4M
  • PHOTO-NEAR Bloomington
  • VOUCH-90-110 $1,423–$1,739
  • FY-2026 FY2026

Photo-finish peer: Bloomington ($582 1BR gap)

Read with: Understanding rent burden

Where Chicago-Joliet-Naperville sits among every US metro

2-bedroom Fair Market Rent vs. all 387 HUD metro areas

$1,781 Top 16% higher than 84% of 387 metro areas

$800–$1,000: 28 metro areas (7%). Below this entry. $1,000–$1,200: 114 metro areas (29%). Below this entry. $1,200–$1,400: 95 metro areas (25%). Below this entry. $1,400–$1,600: 52 metro areas (13%). Below this entry. $1,600–$1,800: 41 metro areas (11%). This entry sits in this band. $1,800–$2,000: 26 metro areas (7%). Above this entry. $2,000–$2,200: 9 metro areas (2%). Above this entry. $2,200–$2,400: 5 metro areas (1%). Above this entry. $2,400–$2,600: 5 metro areas (1%). Above this entry. $2,600–$2,800: 5 metro areas (1%). Above this entry. $2,800–$3,000: 4 metro areas (1%). Above this entry. $3,000–$3,200: 2 metro areas (1%). Above this entry. $3,200–$3,400: 0 metro areas (0%). Above this entry. $3,400–$3,600: 0 metro areas (0%). Above this entry. $3,600–$3,800: 0 metro areas (0%). Above this entry. $3,800–$4,000: 0 metro areas (0%). Above this entry. $4,000–$4,200: 0 metro areas (0%). Above this entry. $4,200–$4,400: 1 metro areas (0%). Above this entry. This metro $800 $4,400 every US metro, bucketed by value

Each bar is a $0.2K-wide band; taller bars hold more metro areas. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Department of Housing and Urban Development, Fair Market Rents · FY2026

CBSA 16980

Counties inside Chicago-Joliet-Naperville

HUD publishes one metro-wide FMR for CBSA 16980, but county-level schedules inside Chicago-Joliet-Naperville still diverge: 12 counties range from $1,174 (2BR in Jasper) to $2,050 (Kendall), a 75% spread. Cook is the largest county by population.

Cook County 2BR $1,781 · 5.2M DuPage County 2BR $1,781 · 931K Lake County 2BR $1,781 · 713K Will County 2BR $1,781 · 697K Kane County 2BR $1,781 · 517K Lake County 2BR $1,317 · 498K

Showing the 6 largest of 12 HUD counties in this CBSA. County pages carry filing-level FMR detail.

Chicago-Joliet-Naperville studio–4BR schedule (FY2026) · 2BR #62 nationally

1BR $1,581 (+65% vs US, +1.3% YoY). Each bedroom band below is FY2026 HUD FMR for CBSA 16980.

Studio
$1,480
US avg $893
↑1.5% YoY +66% vs US
1 Bedroom
$1,581
US avg $959
↑1.3% YoY +65% vs US
2 Bedroom
$1,781
US avg $1,175
↑1.1% YoY +52% vs US
3 Bedroom
$2,294
US avg $1,525
↑1.4% YoY +50% vs US
4 Bedroom
$2,653
US avg $1,756
↓0.2% YoY +51% vs US

How Chicago-Joliet-Naperville compares on 1-bedroom rent

1-bedroom FMR vs other IL metro areas

1BR FMR / mo

What this shows Chicago-Joliet-Naperville highlighted among 4 peers · FY2026 1BR HUD FMR.

Source U.S. Department of Housing and Urban Development (HUD) As of FY2026

Chicago-Joliet-Naperville: out-of-state FMR & burden peers

PlainRent pairs Chicago-Joliet-Naperville with the 4 nearest HUD 2BR schedules and 4 nearest burden matches outside IL (burden peers exclude the FMR set; pop ≥50k).

2BR FMR · outside IL

Nearest schedules by 2BR delta (FY2026).

Crestview-Fort Walton Beach-Destin
FL · 2 BR $1,785/mo
Charleston-North Charleston
SC · 2 BR $1,787/mo
Martin County
TX · 2 BR $1,772/mo
Bellingham
WA · 2 BR $1,794/mo

Burden % · outside IL

Nearest 2BR FMR ÷ ACS median income (FY2026).

Auburn-Opelika
AL · 24% of income · 2 BR $1,181/mo
Boise City
ID · 24% of income · 2 BR $1,655/mo
Coeur d'Alene
ID · 24.1% of income · 2 BR $1,547/mo
Pensacola-Ferry Pass-Brent
FL · 24% of income · 2 BR $1,471/mo

Chicago-Joliet-Naperville: quick answers

What is the average rent in the Chicago-Joliet-Naperville, IL HUD Metro FMR Area metro area? ▼
The FY 2026 Fair Market Rent for a 1-bedroom in Chicago-Joliet-Naperville, IL HUD Metro FMR Area is $1,581 per month. A 2-bedroom is $1,781 and a studio is $1,480.
How does Chicago-Joliet-Naperville, IL HUD Metro FMR Area rent compare to the national average? ▼
Rent in the Chicago-Joliet-Naperville, IL HUD Metro FMR Area metro area is 65% above the national average. A 1-bedroom costs $1,581 compared to $959 nationally.
Where does Chicago-Joliet-Naperville rank nationally for Fair Market Rent? ▼
HUD's FY 2026 2-bedroom FMR of $1,781 ranks #62 most expensive among 387 US metro areas (the upper-rent quarter of HUD metro areas).
Do county rents differ inside the Chicago-Joliet-Naperville metro area? ▼
Yes. HUD assigns one metro-wide FMR for CBSA 16980, but 12 constituent counties publish their own county FMR schedules spanning $1,174–$2,050 for a 2-bedroom (75% spread). Use county pages for filing at the county level.

Compare Chicago-Joliet-Naperville vs Bloomington →

Data as of FY 2026. Source: U.S. Department of Housing and Urban Development (HUD) Fair Market Rents. Population and demographic data from U.S. Census Bureau American Community Survey (ACS).

Read our methodology - how this data is sourced, computed, and verified.

FY 2026 HUD FMR $1,581/mo · 1BR IL

Every figure on PlainRent is rendered directly from HUD's published Fair Market Rent records, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of FY 2026.