Illinois 2021 FHA Loan Limits

Last Updated: Sat, January 2, 2021

Loan Limits in Illinois

Illinois has 102 counties with FHA Limits ranging from a low of $356,362 for a 1-bedroom unit in Adams County to a high of $729,800 for a 4-bedroom unit in Cook 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 ($685,400)
Highest Loan Limit ($729,800)

† 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 $356,362 $685,400 view details »
Alexander County $356,362 $685,400 view details »
Bond County $356,362 $685,400 view details »
Boone County $356,362 $685,400 view details »
Brown County $356,362 $685,400 view details »
Bureau County $356,362 $685,400 view details »
Calhoun County $356,362 $685,400 view details »
Carroll County $356,362 $685,400 view details »
Cass County $356,362 $685,400 view details »
Champaign County $356,362 $685,400 view details »
Christian County $356,362 $685,400 view details »
Clark County $356,362 $685,400 view details »
Clay County $356,362 $685,400 view details »
Clinton County $356,362 $685,400 view details »
Coles County $356,362 $685,400 view details »
Cook County $379,500 $729,800 view details »
Crawford County $356,362 $685,400 view details »
Cumberland County $356,362 $685,400 view details »
Dekalb County $379,500 $729,800 view details »
De Witt County $356,362 $685,400 view details »
Douglas County $356,362 $685,400 view details »
Dupage County $379,500 $729,800 view details »
Edgar County $356,362 $685,400 view details »
Edwards County $356,362 $685,400 view details »
Effingham County $356,362 $685,400 view details »
Fayette County $356,362 $685,400 view details »
Ford County $356,362 $685,400 view details »
Franklin County $356,362 $685,400 view details »
Fulton County $356,362 $685,400 view details »
Gallatin County $356,362 $685,400 view details »
Greene County $356,362 $685,400 view details »
Grundy County $379,500 $729,800 view details »
Hamilton County $356,362 $685,400 view details »
Hancock County $356,362 $685,400 view details »
Hardin County $356,362 $685,400 view details »
Henderson County $356,362 $685,400 view details »
Henry County $356,362 $685,400 view details »
Iroquois County $356,362 $685,400 view details »
Jackson County $356,362 $685,400 view details »
Jasper County $356,362 $685,400 view details »
Jefferson County $356,362 $685,400 view details »
Jersey County $356,362 $685,400 view details »
Jo Daviess County $356,362 $685,400 view details »
Johnson County $356,362 $685,400 view details »
Kane County $379,500 $729,800 view details »
Kankakee County $356,362 $685,400 view details »
Kendall County $379,500 $729,800 view details »
Knox County $356,362 $685,400 view details »
Lake County $379,500 $729,800 view details »
Lasalle County $356,362 $685,400 view details »
Lawrence County $356,362 $685,400 view details »
Lee County $356,362 $685,400 view details »
Livingston County $356,362 $685,400 view details »
Logan County $356,362 $685,400 view details »
Mcdonough County $356,362 $685,400 view details »
Mchenry County $379,500 $729,800 view details »
Mclean County $356,362 $685,400 view details »
Macon County $356,362 $685,400 view details »
Macoupin County $356,362 $685,400 view details »
Madison County $356,362 $685,400 view details »
Marion County $356,362 $685,400 view details »
Marshall County $356,362 $685,400 view details »
Mason County $356,362 $685,400 view details »
Massac County $356,362 $685,400 view details »
Menard County $356,362 $685,400 view details »
Mercer County $356,362 $685,400 view details »
Monroe County $356,362 $685,400 view details »
Montgomery County $356,362 $685,400 view details »
Morgan County $356,362 $685,400 view details »
Moultrie County $356,362 $685,400 view details »
Ogle County $356,362 $685,400 view details »
Peoria County $356,362 $685,400 view details »
Perry County $356,362 $685,400 view details »
Piatt County $356,362 $685,400 view details »
Pike County $356,362 $685,400 view details »
Pope County $356,362 $685,400 view details »
Pulaski County $356,362 $685,400 view details »
Putnam County $356,362 $685,400 view details »
Randolph County $356,362 $685,400 view details »
Richland County $356,362 $685,400 view details »
Rock Island County $356,362 $685,400 view details »
St. Clair County $356,362 $685,400 view details »
Saline County $356,362 $685,400 view details »
Sangamon County $356,362 $685,400 view details »
Schuyler County $356,362 $685,400 view details »
Scott County $356,362 $685,400 view details »
Shelby County $356,362 $685,400 view details »
Stark County $356,362 $685,400 view details »
Stephenson County $356,362 $685,400 view details »
Tazewell County $356,362 $685,400 view details »
Union County $356,362 $685,400 view details »
Vermilion County $356,362 $685,400 view details »
Wabash County $356,362 $685,400 view details »
Warren County $356,362 $685,400 view details »
Washington County $356,362 $685,400 view details »
Wayne County $356,362 $685,400 view details »
White County $356,362 $685,400 view details »
Whiteside County $356,362 $685,400 view details »
Will County $379,500 $729,800 view details »
Williamson County $356,362 $685,400 view details »
Winnebago County $356,362 $685,400 view details »
Woodford County $356,362 $685,400 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 2021, the maximum loan limit in Illinois is $356,362 for a single-family home and $729,800 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