Renting · Section 8
Data from November 2026
Renting in Hardin County, Illinois
Hardin County has a HUD fair market rent of $930 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $379 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $17.88 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $930
- a month, HUD, Fiscal year 2027
- 46% less than in Illinois
- Typical rent
- $379
- a month, Census, Average 2020–2024
- 70% less than in Illinois
- Wage needed
- $17.88
- an hour, 2 bedrooms
- Or $37,200 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- Data not available
- The official source doesn't publish this figure for this place.
Only here
Renting in Hardin County: what sets it apart
What this place has that others do not, from public data, most unusual first.
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Of the 102 counties in Illinois, Hardin County has the lowest typical rent: $379.
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Hardin County has the lowest typical rent in its area: $379, less than any of its 6 neighboring counties; next is Pope County ($449).
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Hardin County has the 6th lowest typical household income of the 102 counties in Illinois ($54,271).
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20% of households in Hardin County have no internet at home, against 6% in Illinois.
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 Hardin 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)
| Size | Fair rent per month | Hourly wage | Income needed per year |
|---|---|---|---|
| Studio | $648 | $12.46 | $25,920 |
| 1 bedroom | $711 | $13.67 | $28,440 |
| 2 bedrooms | $930 | $17.88 | $37,200 |
| 3 bedrooms | $1,108 | $21.31 | $44,320 |
| 4 bedrooms | $1,344 | $25.85 | $53,760 |
HUD area: Hardin 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 4 ZIP codes in Hardin County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $930 in 62919 to $1,040 in 62982. 1 ZIP code is above the county's fair market rent ($930).
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)
| 62919 | Hardin County, IL | $650 | $710 | $930 | $1,110 | $1,340 |
|---|---|---|---|---|---|---|
| 62931 | Gallatin County, IL | $650 | $710 | $930 | $1,110 | $1,340 |
| 62931 | Hardin County, IL | $650 | $710 | $930 | $1,110 | $1,340 |
| 62982 | Hardin County, IL | $720 | $800 | $1,040 | $1,240 | $1,500 |
- 62919 · Hardin County, IL $930$1,110
- 62931 · Gallatin County, IL $930$1,110
- 62931 · Hardin County, IL $930$1,110
- 62982 · Hardin County, IL $1,040$1,240
Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)
Low-income apartments
Low-income apartments in Hardin County
HUD lists 1 property with homes for low-income households in Hardin County: public housing.
- public housing
- 1
147 homes in all; 147 of them low-income, according to HUD.
- River Side Homes Public housing 400 E School St, Cave In Rock 62919 147 low-income homes · Run by Housing Authority of the County of Hardin · Average payment: $346 a month · Average wait: 9 months · (618) 287-2786
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 Hardin County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 1 agency serves in Hardin 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
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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 | $18,850 | $31,400 | $50,250 |
| 2 people | $21,640 | $35,900 | $57,400 |
| 3 people | $27,320 | $40,400 | $64,600 |
| 4 people | $33,000 | $44,850 | $71,750 |
| 5 people | $38,680 | $48,450 | $77,500 |
| 6 people | $44,360 | $52,050 | $83,250 |
| 7 people | $50,040 | $55,650 | $89,000 |
| 8 people | $55,720 | $59,250 | $94,750 |
Area median income: $72,700. HUD income limits by family size, Fiscal year 2026. Area: Hardin County, IL. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $583 – $713
- 1 bedroom $640 – $782
- 2 bedrooms $837 – $1,023
- 3 bedrooms $997 – $1,219
- 4 bedrooms $1,210 – $1,478
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
- Housing Authority of the County of Hardin Public housing · 147 public housing units (618) 287-2786 Housing Authority of the County of Hardin: hardinco.pha@gmail.com
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 Hardin County
HUD lists no counseling agencies near in Hardin County. Free legal aid and your housing agency can guide you.
Rental assistance programs
The ones that serve in Hardin County or the whole state, with what each page says about being open.
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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 Hardin 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
$1,860
What you need before you get the keys.
What adds up
- First month
- $930
- Security deposit
- $930
- Total
- $1,860
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 Hardin County?
According to HUD (Fiscal year 2027): Studio: $648; 1 bedroom: $711; 2 bedrooms: $930; 3 bedrooms: $1,108; 4 bedrooms: $1,344. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Hardin County?
Paying the 2-bedroom fair market rent ($930) without spending more than 30% of income takes $17.88 an hour full time, or $37,200 a year.
Who qualifies for Section 8 in Hardin County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $44,850 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 Hardin 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 $837 and $1,023 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Hardin County?
For 2 bedrooms they run from $930 in 62919 to $1,040 in 62982. 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 Hardin County?
HUD lists 1 property with homes for low-income households in Hardin County: public housing. 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.