Illinois 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in Illinois

Illinois has 102 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Adams County to a high of $1,008,300 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 ($1,008,300) †

Highest Loan Limit ($1,008,300)

† 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	$524,225	$1,008,300	view details »
Alexander County	$524,225	$1,008,300	view details »
Bond County	$524,225	$1,008,300	view details »
Boone County	$524,225	$1,008,300	view details »
Brown County	$524,225	$1,008,300	view details »
Bureau County	$524,225	$1,008,300	view details »
Calhoun County	$524,225	$1,008,300	view details »
Carroll County	$524,225	$1,008,300	view details »
Cass County	$524,225	$1,008,300	view details »
Champaign County	$524,225	$1,008,300	view details »
Christian County	$524,225	$1,008,300	view details »
Clark County	$524,225	$1,008,300	view details »
Clay County	$524,225	$1,008,300	view details »
Clinton County	$524,225	$1,008,300	view details »
Coles County	$524,225	$1,008,300	view details »
Cook County	$524,225	$1,008,300	view details »
Crawford County	$524,225	$1,008,300	view details »
Cumberland County	$524,225	$1,008,300	view details »
Dekalb County	$524,225	$1,008,300	view details »
De Witt County	$524,225	$1,008,300	view details »
Douglas County	$524,225	$1,008,300	view details »
Dupage County	$524,225	$1,008,300	view details »
Edgar County	$524,225	$1,008,300	view details »
Edwards County	$524,225	$1,008,300	view details »
Effingham County	$524,225	$1,008,300	view details »
Fayette County	$524,225	$1,008,300	view details »
Ford County	$524,225	$1,008,300	view details »
Franklin County	$524,225	$1,008,300	view details »
Fulton County	$524,225	$1,008,300	view details »
Gallatin County	$524,225	$1,008,300	view details »
Greene County	$524,225	$1,008,300	view details »
Grundy County	$524,225	$1,008,300	view details »
Hamilton County	$524,225	$1,008,300	view details »
Hancock County	$524,225	$1,008,300	view details »
Hardin County	$524,225	$1,008,300	view details »
Henderson County	$524,225	$1,008,300	view details »
Henry County	$524,225	$1,008,300	view details »
Iroquois County	$524,225	$1,008,300	view details »
Jackson County	$524,225	$1,008,300	view details »
Jasper County	$524,225	$1,008,300	view details »
Jefferson County	$524,225	$1,008,300	view details »
Jersey County	$524,225	$1,008,300	view details »
Jo Daviess County	$524,225	$1,008,300	view details »
Johnson County	$524,225	$1,008,300	view details »
Kane County	$524,225	$1,008,300	view details »
Kankakee County	$524,225	$1,008,300	view details »
Kendall County	$524,225	$1,008,300	view details »
Knox County	$524,225	$1,008,300	view details »
Lake County	$524,225	$1,008,300	view details »
Lasalle County	$524,225	$1,008,300	view details »
Lawrence County	$524,225	$1,008,300	view details »
Lee County	$524,225	$1,008,300	view details »
Livingston County	$524,225	$1,008,300	view details »
Logan County	$524,225	$1,008,300	view details »
Mcdonough County	$524,225	$1,008,300	view details »
Mchenry County	$524,225	$1,008,300	view details »
Mclean County	$524,225	$1,008,300	view details »
Macon County	$524,225	$1,008,300	view details »
Macoupin County	$524,225	$1,008,300	view details »
Madison County	$524,225	$1,008,300	view details »
Marion County	$524,225	$1,008,300	view details »
Marshall County	$524,225	$1,008,300	view details »
Mason County	$524,225	$1,008,300	view details »
Massac County	$524,225	$1,008,300	view details »
Menard County	$524,225	$1,008,300	view details »
Mercer County	$524,225	$1,008,300	view details »
Monroe County	$524,225	$1,008,300	view details »
Montgomery County	$524,225	$1,008,300	view details »
Morgan County	$524,225	$1,008,300	view details »
Moultrie County	$524,225	$1,008,300	view details »
Ogle County	$524,225	$1,008,300	view details »
Peoria County	$524,225	$1,008,300	view details »
Perry County	$524,225	$1,008,300	view details »
Piatt County	$524,225	$1,008,300	view details »
Pike County	$524,225	$1,008,300	view details »
Pope County	$524,225	$1,008,300	view details »
Pulaski County	$524,225	$1,008,300	view details »
Putnam County	$524,225	$1,008,300	view details »
Randolph County	$524,225	$1,008,300	view details »
Richland County	$524,225	$1,008,300	view details »
Rock Island County	$524,225	$1,008,300	view details »
St. Clair County	$524,225	$1,008,300	view details »
Saline County	$524,225	$1,008,300	view details »
Sangamon County	$524,225	$1,008,300	view details »
Schuyler County	$524,225	$1,008,300	view details »
Scott County	$524,225	$1,008,300	view details »
Shelby County	$524,225	$1,008,300	view details »
Stark County	$524,225	$1,008,300	view details »
Stephenson County	$524,225	$1,008,300	view details »
Tazewell County	$524,225	$1,008,300	view details »
Union County	$524,225	$1,008,300	view details »
Vermilion County	$524,225	$1,008,300	view details »
Wabash County	$524,225	$1,008,300	view details »
Warren County	$524,225	$1,008,300	view details »
Washington County	$524,225	$1,008,300	view details »
Wayne County	$524,225	$1,008,300	view details »
White County	$524,225	$1,008,300	view details »
Whiteside County	$524,225	$1,008,300	view details »
Will County	$524,225	$1,008,300	view details »
Williamson County	$524,225	$1,008,300	view details »
Winnebago County	$524,225	$1,008,300	view details »
Woodford County	$524,225	$1,008,300	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 2025, the maximum loan limit in Illinois is $524,225 for a single-family home and $1,008,300 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.

Illinois 2025 FHA Loan Limits

Loan Limits in Illinois

Loan Limits by County in Illinois (102 counties)

How to qualify for an FHA Loan in Illinois?

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