Chicago-Joliet-Naperville, IL HUD Metro FMR Area Income Limits (2026)
These are HUD’s 2026 income limits for Chicago-Joliet-Naperville, IL HUD Metro FMR Area (area median income $121,500). They determine who qualifies for income-based and affordable housing — Section 8 vouchers, public housing, Section 202/811, and Low-Income Housing Tax Credit (LIHTC) units — by household size.
Chicago-Joliet-Naperville, IL HUD Metro FMR Area’s area median income of $121,500 ranks #2 of 83 HUD income-limit areas in Illinois, where area medians range from $65,900 to $135,800.
| Household size | Extremely Low (30% AMI) | Very Low (50% AMI) | Low (80% AMI) |
|---|---|---|---|
| 1 person | $25,550 | $42,550 | $68,050 |
| 2 people | $29,200 | $48,600 | $77,800 |
| 3 people | $32,850 | $54,700 | $87,500 |
| 4 people | $36,450 | $60,750 | $97,200 |
| 5 people | $39,400 | $65,650 | $105,000 |
| 6 people | $44,360 | $70,500 | $112,800 |
| 7 people | $50,040 | $75,350 | $120,550 |
| 8 people | $55,720 | $80,200 | $128,350 |
Across household sizes, the Very Low Income (50%) threshold in Chicago-Joliet-Naperville, IL HUD Metro FMR Area runs from $42,550 for a single person up to $80,200 for an eight-person household. The Low Income (80%) limit — used by many LIHTC and workforce units — reaches $128,350 for a household of eight. These limits apply to 6 counties (Cook County, DuPage County, Kane County, Lake County, and more).
Do you qualify?
Most income-based programs cap eligibility at the Very Low Income (50%) level, and the deepest assistance — public housing and most Section 8 vouchers — targets households at or below Extremely Low Income (30%). LIHTC and other affordable units commonly use the Low Income (80%) threshold. For example, a household of four in Chicago-Joliet-Naperville, IL HUD Metro FMR Area generally qualifies for income-based housing if it earns under $60,750, and for the deepest assistance under $36,450.
Frequently asked questions
What is the income limit for a family of four in Chicago-Joliet-Naperville, IL HUD Metro FMR Area?
A four-person household generally qualifies at or below $60,750 (Very Low Income), with the deepest assistance under $36,450 (Extremely Low Income) and LIHTC units commonly at $97,200 (Low Income).
What is the income limit for one person in Chicago-Joliet-Naperville, IL HUD Metro FMR Area?
A single-person household qualifies for most income-based programs at or below $42,550, and for the deepest assistance under $25,550.
Counties covered: Cook County, DuPage County, Kane County, Lake County, McHenry County, Will County.
Find income-based housing in this area
Nearby Illinois income-limit areas
Source: U.S. Department of Housing and Urban Development (HUD), FY2026 Income Limits. Limits are updated annually and may be adjusted for high-cost areas.