Fair Market Rents: Effingham County, IL (FY2026)
HUD's FY2026 Fair Market Rents for Effingham County set the ceiling for what Housing Choice Vouchers pay locally. FMR equals the estimated 40th-percentile gross rent — shelter plus utilities — for modest, non-luxury units.
| Unit size | FY2026 FMR | IL median* |
|---|---|---|
| Studio (0-BR) | $745/mo | $694 (+7%) |
| 1 Bedroom | $754/mo | $789 (-4%) |
| 2 Bedrooms | $916/mo | $954 (-4%) |
| 3 Bedrooms | $1,208/mo | $1,271 (-5%) |
| 4+ Bedrooms | $1,385/mo | $1,449 (-4%) |
*Median across all FMR-publishing counties in IL. Source: HUD FY2026 FMR schedule.
Using FMR as a voucher holder in Effingham County
- Your housing authority sets payment standards per bedroom, typically 90–110% of these figures. How payment standards work →
- You may rent above the standard by paying the difference, subject to a 40%-of-income cap at lease-up.
- In high-cost pockets, ask about exception standards or Small Area FMRs by ZIP code.
Subsidized housing in Effingham County
We track 7 assisted properties countywide:
| City | Properties | Assisted units |
|---|---|---|
| Effingham | 8 | 543 |