Renting · Section 8
Data from November 2026
Renting in Adams County, Illinois
Adams County has a HUD fair market rent of $1,013 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $828 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $19.48 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,013
- a month, HUD, Fiscal year 2027
- 41% less than in Illinois
- Typical rent
- $828
- a month, Census, Average 2020–2024
- 35% less than in Illinois
- Wage needed
- $19.48
- an hour, 2 bedrooms
- Or $40,520 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 41%
- spend 30% or more of income on rent
- 15% less than in Illinois
Only here
Renting in Adams County: what sets it apart
What this place has that others do not, from public data, most unusual first.
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Among the neighboring counties, Pike County has the lowest typical rent ($676), 18% below the $828 in Adams County.
Sources: U.S. Census Bureau (Average 2020–2024).
Fair market rent
What HUD sets for each size
Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Adams County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.
The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)
According to Zillow (ZORI), the typical asking rent in Adams County was $1,059 a month in September 2026: 8% more than 12 months ago. It is an index of market listings, not a HUD limit. Zillow data
| Size | Fair rent per month | Hourly wage | Income needed per year |
|---|---|---|---|
| Studio | $705 | $13.56 | $28,200 |
| 1 bedroom | $774 | $14.88 | $30,960 |
| 2 bedrooms | $1,013 | $19.48 | $40,520 |
| 3 bedrooms | $1,246 | $23.96 | $49,840 |
| 4 bedrooms | $1,476 | $28.38 | $59,040 |
HUD area: Adams County, IL. Source: HUD, Fiscal year 2027
By ZIP code
The fair market rent for your ZIP code
HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 20 ZIP codes in Adams County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $960 in 62320 to $1,380 in 62359. 10 ZIP codes are above the county's fair market rent ($1,013).
Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)
| 62301 | Adams County, IL | $740 | $810 | $1,060 | $1,300 | $1,540 |
|---|---|---|---|---|---|---|
| 62305 | Adams County, IL | $770 | $840 | $1,100 | $1,350 | $1,600 |
| 62320 | Adams County, IL | $670 | $730 | $960 | $1,200 | $1,350 |
| 62324 | Adams County, IL | $670 | $740 | $970 | $1,200 | $1,400 |
| 62325 | Adams County, IL | $960 | $1,050 | $1,380 | $1,700 | $2,010 |
| 62338 | Adams County, IL | $790 | $860 | $1,130 | $1,390 | $1,640 |
| 62339 | Adams County, IL | $670 | $730 | $960 | $1,200 | $1,350 |
| 62346 | Adams County, IL | $670 | $760 | $960 | $1,200 | $1,360 |
| 62346 | Hancock County, IL | $670 | $760 | $960 | $1,200 | $1,360 |
| 62346 | Schuyler County, IL | $670 | $760 | $960 | $1,200 | $1,360 |
| 62347 | Adams County, IL | $720 | $790 | $1,030 | $1,270 | $1,500 |
| 62348 | Adams County, IL | $700 | $770 | $1,010 | $1,260 | $1,470 |
| 62349 | Adams County, IL | $670 | $730 | $960 | $1,200 | $1,350 |
| 62349 | Hancock County, IL | $670 | $730 | $960 | $1,200 | $1,350 |
| 62351 | Adams County, IL | $740 | $810 | $1,060 | $1,310 | $1,550 |
| 62351 | Hancock County, IL | $740 | $810 | $1,060 | $1,310 | $1,550 |
| 62359 | Adams County, IL | $960 | $1,050 | $1,380 | $1,700 | $2,010 |
| 62360 | Adams County, IL | $770 | $850 | $1,110 | $1,370 | $1,620 |
| 62365 | Adams County, IL | $700 | $770 | $1,000 | $1,230 | $1,480 |
| 62376 | Adams County, IL | $720 | $800 | $1,040 | $1,280 | $1,520 |
- 62301 · Adams County, IL $1,060$1,300
- 62305 · Adams County, IL $1,100$1,350
- 62320 · Adams County, IL $960$1,200
- 62324 · Adams County, IL $970$1,200
- 62325 · Adams County, IL $1,380$1,700
- 62338 · Adams County, IL $1,130$1,390
- 62339 · Adams County, IL $960$1,200
- 62346 · Adams County, IL $960$1,200
- 62346 · Hancock County, IL $960$1,200
- 62346 · Schuyler County, IL $960$1,200
- 62347 · Adams County, IL $1,030$1,270
- 62348 · Adams County, IL $1,010$1,260
- 62349 · Adams County, IL $960$1,200
- 62349 · Hancock County, IL $960$1,200
- 62351 · Adams County, IL $1,060$1,310
- 62351 · Hancock County, IL $1,060$1,310
- 62359 · Adams County, IL $1,380$1,700
- 62360 · Adams County, IL $1,110$1,370
- 62365 · Adams County, IL $1,000$1,230
- 62376 · Adams County, IL $1,040$1,280
Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)
Rent burden
How many households spend too much
HUD counts rent as a burden when it reaches 30% of income or more. In Adams County, 41% of renter households are in that position; in Illinois, 48%, and nationwide, 51% (Average 2020–2024, Census).
Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.
41%
of renter households spend 30% or more of their income on rent.
7,778 households rent in Adams County
- Spend half or more of their income 21%
- Spend 30% or more, but less than half 19%
- Spend less than 30% 59%
Compared with the state and the country
- Adams 41%
- Illinois 48%
- United States 51%
Low-income apartments
Low-income apartments in Adams County
HUD lists 17 properties with homes for low-income households in Adams County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 7
- HUD-assisted
- 7
- public housing
- 3
1,244 homes in all; 1,116 of them low-income, according to HUD.
- Indian Hills Apts Public housing 608 Harrison Dr, Quincy 62301 200 low-income homes · Run by Quincy Housing Authority · Average payment: $382 a month · Average wait: 6 months · (217) 222-0720
- Lampe High Rise Apts Public housing 527 Broadway St, Quincy 62301 155 homes, 150 low-income · Run by Quincy Housing Authority · Average payment: $354 a month · Average wait: 2 months · Homes at several sites · (217) 222-0720
- Lincoln/Douglas Cardinal Apartments HUD-assisted 101 N 4th St, Quincy 62301 133 low-income homes · For families · (217) 224-3355
- Camp Point Public housing 108 S Main St, Payson 62360 126 low-income homes · Run by Housing Authority of Adams County · Average payment: $418 a month · Average wait: 3 months · Homes at several sites · (217) 894-7022
- Country Club HGTS. Apts. HUD-assisted 742 Country Club Hts, Quincy 62301 200 homes, 80 low-income · For families · (217) 224-7070
- Cedar Creek Crossing Tax credit (LIHTC) 2320 N 12th St, Quincy 62305 80 low-income homes · 2 bd: 60 · 3 bd: 20 · In service since 2002 · For people with disabilities, families
- Quincy Senior Family Resource Center Tax credit (LIHTC) 639 York St, Quincy 62301 57 low-income homes · Studio: 24 · 1 bd: 27 · 2 bd: 6 · In service since 2003 · For older adults
- Timberline Terrace Senior Apts Tax credit (LIHTC) 4611 State St, Quincy 62305 56 low-income homes · 1 bd: 14 · 2 bd: 42 · In service since 2012
- Twelfth Street Apts Tax credit (LIHTC) 2925 S 12th St, Quincy 62305 48 low-income homes · 1 bd: 12 · 2 bd: 32 · 3 bd: 4 · In service since 1993
- River Hills Tax credit (LIHTC) 300 S Franklin St, Clayton 62324 39 low-income homes · 1 bd: 14 · 2 bd: 21 · 3 bd: 4 · In service since 2004 · For people with disabilities
- Carsons Apts Tax credit (LIHTC) 500 Maine St, Quincy 62301 36 homes, 35 low-income · 1 bd: 27 · 2 bd: 9 · In service since 1996
- Harvest Hills Apartments HUD-assisted 901 S 36th St, Quincy 62301 35 low-income homes · For older adults · (815) 633-5544
- Community Alternatives HUD-assisted 1300 N 6th St, Quincy 62301 30 homes, 29 low-income · For people with disabilities · (217) 223-0413
- Adams County Mental Health HUD-assisted 2015 Chestnut St, Quincy 62301 23 homes, 22 low-income · For people with disabilities · (217) 556-0413
- Housing 2006, Inc. HUD-assisted 3115 Saint Anthony Rd, Quincy 62305 12 low-income homes · For people with disabilities · (217) 223-0413
- Cypress Properties, L.P HUD-assisted 303 River Hills Dr, Clayton 62324 8 low-income homes · For families
- Cila Home #1 (camp Point) Tax credit (LIHTC) 102 E Spring St, Camp Point 62320 6 low-income homes · 1 bd: 6 · In service since 1996
Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.
Section 8
The Section 8 voucher in Adams County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 2 agencies serve in Adams County. Here is what the rules say:
The rules, with their source
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You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD
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Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)
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Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)
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If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)
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When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508
-
Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)
| People | Extremely low (30%) | Very low (50%) | Low |
|---|---|---|---|
| 1 person | $19,150 | $31,900 | $51,050 |
| 2 people | $21,900 | $36,450 | $58,350 |
| 3 people | $27,320 | $41,000 | $65,650 |
| 4 people | $33,000 | $45,550 | $72,900 |
| 5 people | $38,680 | $49,200 | $78,750 |
| 6 people | $44,360 | $52,850 | $84,600 |
| 7 people | $50,040 | $56,500 | $90,400 |
| 8 people | $55,720 | $60,150 | $96,250 |
Area median income: $91,100. HUD income limits by family size, Fiscal year 2026. Area: Adams County, IL. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $635 – $776
- 1 bedroom $697 – $851
- 2 bedrooms $912 – $1,114
- 3 bedrooms $1,121 – $1,371
- 4 bedrooms $1,328 – $1,624
The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.
Housing agencies that serve this place
- Quincy Housing Authority Public housing and Section 8 vouchers · 349 vouchers · 350 public housing units (217) 222-0720 Quincy Housing Authority: jgille@quincyhousing.org
- Housing Authority of Adams County Public housing · 126 public housing units (217) 894-7022 Housing Authority of Adams County: acha@adams.net
Housing agencies in Illinois Source: HUD, Retrieved November 6, 2026
Your rights as a tenant in Illinois
What Illinois law says about deposits, notices and eviction, with the citation for each rule.
See your rights, rule by ruleCompare these rules with other states →
A summary of state law, not legal advice. Cities may have additional rules.
- If I fall behind on rent, what notice must I get?
- 5 days
- 735 ILCS 5/9-101 to 9-307 (Eviction Act)
- How much notice ends a month-to-month rental?
- 30 days
- 735 ILCS 5/9-101 to 9-307 (Eviction Act)
- Only a court order can remove you735 ILCS 5/9-101 to 9-307 (Eviction Act)
- Protection from retaliation765 ILCS 721 (Landlord Retaliation Act)
- Protection related to immigration statusIllinois Human Rights Act
Help
Where to get help with rent in Adams County
HUD lists no counseling agencies near in Adams County. Free legal aid and your housing agency can guide you.
Rental assistance programs
The ones that serve in Adams County or the whole state, with what each page says about being open.
-
Illinois Court-Based Rental Assistance Program (CBRAP)
Run by Illinois Housing Development Authority (IHDA)
Illinois state help to pay back rent and court costs if you already have an eviction case for nonpayment
Open, per the source
See details
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Adams County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.
Count power on top of the rent: in Illinois, the average home bill was $110 a month in 2024 (EIA). See electricity and gas costs
Your move
We use the place's fair market rent and the state's deposit rule.
Adjust advanced details
Let's do the math
Cash to move in
$2,026
What you need before you get the keys.
What adds up
- First month
- $1,013
- Security deposit
- $1,013
- Total
- $2,026
When you'll have it
Enter what you can set aside each month to see how long it takes.
What helps
- Ask for a receipt for every payment and keep a copy of the lease.
- On move-in day, walk through the home and take dated photos.
- Never send money for a home you haven't seen or a lease you haven't read.
This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.
Frequently asked questions
What is the fair market rent in Adams County?
According to HUD (Fiscal year 2027): Studio: $705; 1 bedroom: $774; 2 bedrooms: $1,013; 3 bedrooms: $1,246; 4 bedrooms: $1,476. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Adams County?
Paying the 2-bedroom fair market rent ($1,013) without spending more than 30% of income takes $19.48 an hour full time, or $40,520 a year.
Who qualifies for Section 8 in Adams County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $45,550 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.
How much does Section 8 pay in Adams County?
The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $912 and $1,114 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Adams County?
For 2 bedrooms they run from $960 in 62320 to $1,380 in 62359. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.
How many low-income apartments are there in Adams County?
HUD lists 17 properties with homes for low-income households in Adams County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.
How many households spend too much on rent in Adams County?
HUD counts rent as a burden when it reaches 30% of income or more. In Adams County, 41% of renter households are in that position; in Illinois, 48%, and nationwide, 51% (Average 2020–2024, Census).