Illinois 2024 FHA Loan Limits

Last Updated: Tue, January 2, 2024

Loan Limits in Illinois

Illinois has 102 counties with FHA Limits ranging from a low of $498,257 for a 1-bedroom unit in Adams County to a high of $958,350 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 ($958,350)
Highest Loan Limit ($958,350)

† 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 $498,257 $958,350 view details »
Alexander County $498,257 $958,350 view details »
Bond County $498,257 $958,350 view details »
Boone County $498,257 $958,350 view details »
Brown County $498,257 $958,350 view details »
Bureau County $498,257 $958,350 view details »
Calhoun County $498,257 $958,350 view details »
Carroll County $498,257 $958,350 view details »
Cass County $498,257 $958,350 view details »
Champaign County $498,257 $958,350 view details »
Christian County $498,257 $958,350 view details »
Clark County $498,257 $958,350 view details »
Clay County $498,257 $958,350 view details »
Clinton County $498,257 $958,350 view details »
Coles County $498,257 $958,350 view details »
Cook County $498,257 $958,350 view details »
Crawford County $498,257 $958,350 view details »
Cumberland County $498,257 $958,350 view details »
Dekalb County $498,257 $958,350 view details »
De Witt County $498,257 $958,350 view details »
Douglas County $498,257 $958,350 view details »
Dupage County $498,257 $958,350 view details »
Edgar County $498,257 $958,350 view details »
Edwards County $498,257 $958,350 view details »
Effingham County $498,257 $958,350 view details »
Fayette County $498,257 $958,350 view details »
Ford County $498,257 $958,350 view details »
Franklin County $498,257 $958,350 view details »
Fulton County $498,257 $958,350 view details »
Gallatin County $498,257 $958,350 view details »
Greene County $498,257 $958,350 view details »
Grundy County $498,257 $958,350 view details »
Hamilton County $498,257 $958,350 view details »
Hancock County $498,257 $958,350 view details »
Hardin County $498,257 $958,350 view details »
Henderson County $498,257 $958,350 view details »
Henry County $498,257 $958,350 view details »
Iroquois County $498,257 $958,350 view details »
Jackson County $498,257 $958,350 view details »
Jasper County $498,257 $958,350 view details »
Jefferson County $498,257 $958,350 view details »
Jersey County $498,257 $958,350 view details »
Jo Daviess County $498,257 $958,350 view details »
Johnson County $498,257 $958,350 view details »
Kane County $498,257 $958,350 view details »
Kankakee County $498,257 $958,350 view details »
Kendall County $498,257 $958,350 view details »
Knox County $498,257 $958,350 view details »
Lake County $498,257 $958,350 view details »
Lasalle County $498,257 $958,350 view details »
Lawrence County $498,257 $958,350 view details »
Lee County $498,257 $958,350 view details »
Livingston County $498,257 $958,350 view details »
Logan County $498,257 $958,350 view details »
Mcdonough County $498,257 $958,350 view details »
Mchenry County $498,257 $958,350 view details »
Mclean County $498,257 $958,350 view details »
Macon County $498,257 $958,350 view details »
Macoupin County $498,257 $958,350 view details »
Madison County $498,257 $958,350 view details »
Marion County $498,257 $958,350 view details »
Marshall County $498,257 $958,350 view details »
Mason County $498,257 $958,350 view details »
Massac County $498,257 $958,350 view details »
Menard County $498,257 $958,350 view details »
Mercer County $498,257 $958,350 view details »
Monroe County $498,257 $958,350 view details »
Montgomery County $498,257 $958,350 view details »
Morgan County $498,257 $958,350 view details »
Moultrie County $498,257 $958,350 view details »
Ogle County $498,257 $958,350 view details »
Peoria County $498,257 $958,350 view details »
Perry County $498,257 $958,350 view details »
Piatt County $498,257 $958,350 view details »
Pike County $498,257 $958,350 view details »
Pope County $498,257 $958,350 view details »
Pulaski County $498,257 $958,350 view details »
Putnam County $498,257 $958,350 view details »
Randolph County $498,257 $958,350 view details »
Richland County $498,257 $958,350 view details »
Rock Island County $498,257 $958,350 view details »
St. Clair County $498,257 $958,350 view details »
Saline County $498,257 $958,350 view details »
Sangamon County $498,257 $958,350 view details »
Schuyler County $498,257 $958,350 view details »
Scott County $498,257 $958,350 view details »
Shelby County $498,257 $958,350 view details »
Stark County $498,257 $958,350 view details »
Stephenson County $498,257 $958,350 view details »
Tazewell County $498,257 $958,350 view details »
Union County $498,257 $958,350 view details »
Vermilion County $498,257 $958,350 view details »
Wabash County $498,257 $958,350 view details »
Warren County $498,257 $958,350 view details »
Washington County $498,257 $958,350 view details »
Wayne County $498,257 $958,350 view details »
White County $498,257 $958,350 view details »
Whiteside County $498,257 $958,350 view details »
Will County $498,257 $958,350 view details »
Williamson County $498,257 $958,350 view details »
Winnebago County $498,257 $958,350 view details »
Woodford County $498,257 $958,350 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 2024, the maximum loan limit in Illinois is $498,257 for a single-family home and $958,350 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