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.

Illinois 2023 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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