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Illinois 2023 FHA Loan Limits

Last Updated: Mon, January 2, 2023

Loan Limits in Illinois

Illinois has 102 counties with FHA Limits ranging from a low of $472,030 for a 1-bedroom unit in Adams County to a high of $907,900 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 ($907,900)
Highest Loan Limit ($907,900)

† 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 $472,030 $907,900 view details »
Alexander County $472,030 $907,900 view details »
Bond County $472,030 $907,900 view details »
Boone County $472,030 $907,900 view details »
Brown County $472,030 $907,900 view details »
Bureau County $472,030 $907,900 view details »
Calhoun County $472,030 $907,900 view details »
Carroll County $472,030 $907,900 view details »
Cass County $472,030 $907,900 view details »
Champaign County $472,030 $907,900 view details »
Christian County $472,030 $907,900 view details »
Clark County $472,030 $907,900 view details »
Clay County $472,030 $907,900 view details »
Clinton County $472,030 $907,900 view details »
Coles County $472,030 $907,900 view details »
Cook County $472,030 $907,900 view details »
Crawford County $472,030 $907,900 view details »
Cumberland County $472,030 $907,900 view details »
Dekalb County $472,030 $907,900 view details »
De Witt County $472,030 $907,900 view details »
Douglas County $472,030 $907,900 view details »
Dupage County $472,030 $907,900 view details »
Edgar County $472,030 $907,900 view details »
Edwards County $472,030 $907,900 view details »
Effingham County $472,030 $907,900 view details »
Fayette County $472,030 $907,900 view details »
Ford County $472,030 $907,900 view details »
Franklin County $472,030 $907,900 view details »
Fulton County $472,030 $907,900 view details »
Gallatin County $472,030 $907,900 view details »
Greene County $472,030 $907,900 view details »
Grundy County $472,030 $907,900 view details »
Hamilton County $472,030 $907,900 view details »
Hancock County $472,030 $907,900 view details »
Hardin County $472,030 $907,900 view details »
Henderson County $472,030 $907,900 view details »
Henry County $472,030 $907,900 view details »
Iroquois County $472,030 $907,900 view details »
Jackson County $472,030 $907,900 view details »
Jasper County $472,030 $907,900 view details »
Jefferson County $472,030 $907,900 view details »
Jersey County $472,030 $907,900 view details »
Jo Daviess County $472,030 $907,900 view details »
Johnson County $472,030 $907,900 view details »
Kane County $472,030 $907,900 view details »
Kankakee County $472,030 $907,900 view details »
Kendall County $472,030 $907,900 view details »
Knox County $472,030 $907,900 view details »
Lake County $472,030 $907,900 view details »
Lasalle County $472,030 $907,900 view details »
Lawrence County $472,030 $907,900 view details »
Lee County $472,030 $907,900 view details »
Livingston County $472,030 $907,900 view details »
Logan County $472,030 $907,900 view details »
Mcdonough County $472,030 $907,900 view details »
Mchenry County $472,030 $907,900 view details »
Mclean County $472,030 $907,900 view details »
Macon County $472,030 $907,900 view details »
Macoupin County $472,030 $907,900 view details »
Madison County $472,030 $907,900 view details »
Marion County $472,030 $907,900 view details »
Marshall County $472,030 $907,900 view details »
Mason County $472,030 $907,900 view details »
Massac County $472,030 $907,900 view details »
Menard County $472,030 $907,900 view details »
Mercer County $472,030 $907,900 view details »
Monroe County $472,030 $907,900 view details »
Montgomery County $472,030 $907,900 view details »
Morgan County $472,030 $907,900 view details »
Moultrie County $472,030 $907,900 view details »
Ogle County $472,030 $907,900 view details »
Peoria County $472,030 $907,900 view details »
Perry County $472,030 $907,900 view details »
Piatt County $472,030 $907,900 view details »
Pike County $472,030 $907,900 view details »
Pope County $472,030 $907,900 view details »
Pulaski County $472,030 $907,900 view details »
Putnam County $472,030 $907,900 view details »
Randolph County $472,030 $907,900 view details »
Richland County $472,030 $907,900 view details »
Rock Island County $472,030 $907,900 view details »
St. Clair County $472,030 $907,900 view details »
Saline County $472,030 $907,900 view details »
Sangamon County $472,030 $907,900 view details »
Schuyler County $472,030 $907,900 view details »
Scott County $472,030 $907,900 view details »
Shelby County $472,030 $907,900 view details »
Stark County $472,030 $907,900 view details »
Stephenson County $472,030 $907,900 view details »
Tazewell County $472,030 $907,900 view details »
Union County $472,030 $907,900 view details »
Vermilion County $472,030 $907,900 view details »
Wabash County $472,030 $907,900 view details »
Warren County $472,030 $907,900 view details »
Washington County $472,030 $907,900 view details »
Wayne County $472,030 $907,900 view details »
White County $472,030 $907,900 view details »
Whiteside County $472,030 $907,900 view details »
Will County $472,030 $907,900 view details »
Williamson County $472,030 $907,900 view details »
Winnebago County $472,030 $907,900 view details »
Woodford County $472,030 $907,900 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 2023, the maximum loan limit in Illinois is $472,030 for a single-family home and $907,900 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
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