Illinois 2022 FHA Loan Limits

Last Updated: Sun, January 2, 2022

Loan Limits in Illinois

Illinois has 102 counties with FHA Limits ranging from a low of $420,680 for a 1-bedroom unit in Adams County to a high of $809,150 for a 4-bedroom unit in Adams County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of Illinois's counties, choose the county from the interactive map or the list below.



Lowest Loan Limit ($809,150)
Highest Loan Limit ($809,150)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in Illinois (102 counties)

County Single Unit Limit (lowest) Four-Plex Limit (highest)
Adams County $420,680 $809,150 view details »
Alexander County $420,680 $809,150 view details »
Bond County $420,680 $809,150 view details »
Boone County $420,680 $809,150 view details »
Brown County $420,680 $809,150 view details »
Bureau County $420,680 $809,150 view details »
Calhoun County $420,680 $809,150 view details »
Carroll County $420,680 $809,150 view details »
Cass County $420,680 $809,150 view details »
Champaign County $420,680 $809,150 view details »
Christian County $420,680 $809,150 view details »
Clark County $420,680 $809,150 view details »
Clay County $420,680 $809,150 view details »
Clinton County $420,680 $809,150 view details »
Coles County $420,680 $809,150 view details »
Cook County $420,680 $809,150 view details »
Crawford County $420,680 $809,150 view details »
Cumberland County $420,680 $809,150 view details »
Dekalb County $420,680 $809,150 view details »
De Witt County $420,680 $809,150 view details »
Douglas County $420,680 $809,150 view details »
Dupage County $420,680 $809,150 view details »
Edgar County $420,680 $809,150 view details »
Edwards County $420,680 $809,150 view details »
Effingham County $420,680 $809,150 view details »
Fayette County $420,680 $809,150 view details »
Ford County $420,680 $809,150 view details »
Franklin County $420,680 $809,150 view details »
Fulton County $420,680 $809,150 view details »
Gallatin County $420,680 $809,150 view details »
Greene County $420,680 $809,150 view details »
Grundy County $420,680 $809,150 view details »
Hamilton County $420,680 $809,150 view details »
Hancock County $420,680 $809,150 view details »
Hardin County $420,680 $809,150 view details »
Henderson County $420,680 $809,150 view details »
Henry County $420,680 $809,150 view details »
Iroquois County $420,680 $809,150 view details »
Jackson County $420,680 $809,150 view details »
Jasper County $420,680 $809,150 view details »
Jefferson County $420,680 $809,150 view details »
Jersey County $420,680 $809,150 view details »
Jo Daviess County $420,680 $809,150 view details »
Johnson County $420,680 $809,150 view details »
Kane County $420,680 $809,150 view details »
Kankakee County $420,680 $809,150 view details »
Kendall County $420,680 $809,150 view details »
Knox County $420,680 $809,150 view details »
Lake County $420,680 $809,150 view details »
Lasalle County $420,680 $809,150 view details »
Lawrence County $420,680 $809,150 view details »
Lee County $420,680 $809,150 view details »
Livingston County $420,680 $809,150 view details »
Logan County $420,680 $809,150 view details »
Mcdonough County $420,680 $809,150 view details »
Mchenry County $420,680 $809,150 view details »
Mclean County $420,680 $809,150 view details »
Macon County $420,680 $809,150 view details »
Macoupin County $420,680 $809,150 view details »
Madison County $420,680 $809,150 view details »
Marion County $420,680 $809,150 view details »
Marshall County $420,680 $809,150 view details »
Mason County $420,680 $809,150 view details »
Massac County $420,680 $809,150 view details »
Menard County $420,680 $809,150 view details »
Mercer County $420,680 $809,150 view details »
Monroe County $420,680 $809,150 view details »
Montgomery County $420,680 $809,150 view details »
Morgan County $420,680 $809,150 view details »
Moultrie County $420,680 $809,150 view details »
Ogle County $420,680 $809,150 view details »
Peoria County $420,680 $809,150 view details »
Perry County $420,680 $809,150 view details »
Piatt County $420,680 $809,150 view details »
Pike County $420,680 $809,150 view details »
Pope County $420,680 $809,150 view details »
Pulaski County $420,680 $809,150 view details »
Putnam County $420,680 $809,150 view details »
Randolph County $420,680 $809,150 view details »
Richland County $420,680 $809,150 view details »
Rock Island County $420,680 $809,150 view details »
St. Clair County $420,680 $809,150 view details »
Saline County $420,680 $809,150 view details »
Sangamon County $420,680 $809,150 view details »
Schuyler County $420,680 $809,150 view details »
Scott County $420,680 $809,150 view details »
Shelby County $420,680 $809,150 view details »
Stark County $420,680 $809,150 view details »
Stephenson County $420,680 $809,150 view details »
Tazewell County $420,680 $809,150 view details »
Union County $420,680 $809,150 view details »
Vermilion County $420,680 $809,150 view details »
Wabash County $420,680 $809,150 view details »
Warren County $420,680 $809,150 view details »
Washington County $420,680 $809,150 view details »
Wayne County $420,680 $809,150 view details »
White County $420,680 $809,150 view details »
Whiteside County $420,680 $809,150 view details »
Will County $420,680 $809,150 view details »
Williamson County $420,680 $809,150 view details »
Winnebago County $420,680 $809,150 view details »
Woodford County $420,680 $809,150 view details »

How to qualify for an FHA Loan in Illinois?

To qualify for an FHA loan in Illinois, your home loan must be below the local FHA loan limits in your area. For 2022, the maximum loan limit in Illinois is $420,680 for a single-family home and $809,150 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in Illinois. Additional restricts apply. Click on the Illinois map above or the table below to see loan limits in your area.


** Document Provided By FHALoans.guide **
Source: https://fhaloans.guide/loan-limits/illinois