Affordable Housing In Rockford
Winnebago County, Illinois


Waiting List Openings In Rockford

Waiting ListStatus
Rockford Housing Authority Housing Choice Voucher Open Now
Rockford Housing Authority Other Open Now
Rockford Housing Authority Other Open Now

49 Low Income Apartment Communities In Rockford

Court Street Apartments

410 N Court St
Rockford, IL
Accessible
HCV Welcome

Faust Landmark Apartments

630 East State Street
Rockford, IL
Call For Rent
1-2 BR

Meld Manor

414 N Court St
Rockford, IL
HCV Welcome

Coronado Village Apartments

417 N Rockton Ave
Rockford, IL
HCV Welcome

Harbor House

413 N Winnebago St
Rockford, IL
Accessible
HCV Welcome

Auburn Manor Apartments

4026 Auburn St
Rockford, IL
Subsidized

Milestone, Inc Elmwood East and Strat

2642 Elmwood Rd
Rockford, IL
62+
Accessible
Elderly Supportive Housing
Subsidized

Concord Commons

3552 Elm St
Rockford, IL
Subsidized

The Terrace

2321 Halsted Rd
Rockford, IL
Subsidized

Milestone Group Home

3310 Searles Ave
Rockford, IL
62+
Accessible
Elderly Supportive Housing
Subsidized

There are 49 low income housing apartment complexes which contain 4,678 affordable apartments for rent in Rockford. Many of these rental apartments are income based housing with 3,336 apartments that set rent based on your income. In Rockford, HUD housing programs support 897 rental assistance apartments through programs like Project-based Section 8. There are 1,342 other low income apartments that don't have rental assistance but are cheaper than market rate rents.

Housing Authorities that serve Rockford

Housing Authority Programs
Rockford Housing Authority Section 8 Housing Choice Voucher (HCV); Public Housing
Winnebago County Housing Authority Section 8 Housing Choice Voucher (HCV); Public Housing

Guide To Affordable Housing in Rockford, Illinois

Rockford, IL Affordable Housing Snapshot

Total Affordable Apartment Properties 49
Total Low Income Apartments 4,678
Total Rent Assisted Apartments 3,336
Percentage of Housing Units Occupied By Renters 44.46%
Average Renter Household Size 2.45
Total Population 150,283
Housing Units 58,559
Average Household Size 2.50
Median Household Income $38,716 ±$1,253
Median Rent $728 ±$12
Percentage Of Renters Overburdened 49.3% ± 1.99pp

Population and Household Demographics

Rockford is a City in Winnebago County, Illinois with a population of 150,283. There are 58,559 households in the city with an average household size of 2.50 persons. 44.46% of households in Rockford are renters.

Income and Rent Overburden in Rockford

The median gross income for households in Rockford is $38,716 a year, or $3,226 a month. The median rent for the city is $728 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Rockford, a household making less than $2,427 a month would be considered overburdened when renting an apartment at or above the median rent. 49.3% of households who rent are overburdened in Rockford.1

Area Median Income In Rockford

Affordable housing program eligibility is always determined by one's income. Each household's income is compared to the incomes of all other households in the area. This is accomplished through a statistic established by the government called the Area Median Income, most often referred to as AMI. The AMI is calculated and published each year by HUD.

HUD often uses an area larger than a city to determine the AMI because HUD anticipates those searching for housing will look beyond individual cities during their housing search. For Rockford, the AMI is calculated from all households within Winnebago County.

In Rockford, HUD calculates the Area Median Income for a family of four as $63,600

Most affordable housing programs determine eligibility based on the percent of AMI a given household's income is. Among the programs that determine eligibility based on the AMI are Section 8, HOME, LIHTC, Section 515, 202 and 811.

Rental Assistance in Rockford

Rental assistance is a type of housing subsidy that pays for a portion of a renter’s monthly housing costs, including rent and tenant paid utilities. This housing assistance can come in the form of Section 8 Housing Choice Vouchers, project-based Section 8 contracts, public housing, USDA Rental Assistance (in Section 515 properties) as well as HUD Section 202 and 811 properties for elderly and disabled households.

Income Qualifications for Rockford HUD Rental Assistance in Rockford

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $13,950 $16,910 $21,330 $25,750 $30,170 $34,590 $39,010 $43,430
50% of Median $23,250 $26,550 $29,850 $33,150 $35,850 $38,500 $41,150 $43,800
80% of Median $37,150 $42,450 $47,750 $53,050 $57,300 $61,550 $65,800 $70,050
Low Income Housing Tax Credits in Rockford

The Low-Income Housing Tax Credit (LIHTC) program aims to create affordable rental housing for low and very low income families.

From 1993 to 2009, 22 low income apartment communities containing 1,409 rental apartments have been constructed and made affordable to low income persons in Rockford by the Low Income Housing Tax Credit Program.

If your income is less than 60% of the Area Median Income (AMI), you should not expect to pay more than the rent value for a unit in the table below. However, Affordable apartment communities that receive funding through the Low Income Housing Tax Credit program may have rental units that are not subject to income and rent limits.

Rent limits for the LIHTC Program are determined so that a household making the maximum income for the expected household size of the unit would only pay 30% of their income for rent.

Income Qualifications for Low Income Housing Tax Credit Apartments in Rockford

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $23,250 $26,550 $29,850 $33,150 $35,850 $38,500 $41,150 $43,800
60% of Median $27,900 $31,860 $35,820 $39,780 $43,020 $46,200 $49,380 $52,560

For example, the expected household size for a two bedroom apartment is 3 people. Using the table above, the maximum income for a 3 person household at 60% of the AMI in Rockford is $35,820 a year, or $2,985 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $2,985 by 30% to get a maximum rent of $896 a month.

Rent for units in the LIHTC Program include a utility allowance which is determined by the average monthly cost of utilities paid directly by residents. This allowance has not been subtracted from the rents in the table below. These utility allowances are set on a property by property basis.

% of AMI Studio 1 Bed 2 Bed 3 Bed 4 Bed 5 Bed
50% $581 $623 $746 $863 $963 $1,062
60% $698 $747 $896 $1,035 $1,155 $1,274
Fair Market Rents in Rockford

Fair Market Rents, often abbreviated as FMR, can be used to better understand the average housing costs of an area. Notably, Fair Market Rents are used to establish the payment standards for the Housing Choice Voucher Program, maximum rents in HOME financed rental projects and initial rents for Section 8 project based assistance.

2019 Fair Market Rents
Studio One BR Two BR Three BR Four BR
$525 $605 $800 $1,080 $1,161