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Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Current FHA Mortgage Rates in IL - Illinios FHA Mortgage

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Note: Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Illinois Mortgages

2024 FHA Loan Limits for Illinios

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2024 FHA loan limits for each county in in Illinois are below.

County Name One Family Two Family Three Family Four Family
Adams One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Alexander One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bond One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Boone One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Brown One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Bureau One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Calhoun One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Carroll One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cass One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Champaign One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Christian One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clark One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clay One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Clinton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Coles One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cook One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Crawford One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Cumberland One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
De Witt One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Dekalb One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Douglas One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Dupage One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Edgar One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Edwards One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Effingham One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Fayette One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ford One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Franklin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Fulton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Gallatin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Greene One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Grundy One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hamilton One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hancock One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Hardin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Henderson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Henry One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Iroquois One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jackson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jasper One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jefferson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jersey One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Jo Daviess One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Johnson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Kane One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Kankakee One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Kendall One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Knox One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lake One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lasalle One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lawrence One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Lee One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Livingston One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Logan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Macon One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Macoupin One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Madison One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Marion One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Marshall One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mason One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Massac One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mcdonough One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mchenry One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mclean One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Menard One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Mercer One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Monroe One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Montgomery One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Morgan One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Moultrie One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Ogle One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Peoria One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Perry One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Piatt One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pike One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pope One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Pulaski One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Putnam One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Randolph One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Richland One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Rock Island One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Saline One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Sangamon One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Schuyler One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Scott One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Shelby One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
St. Clair One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Stark One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Stephenson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Tazewell One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Union One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Vermilion One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wabash One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Warren One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Washington One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Wayne One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
White One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Whiteside One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Will One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Williamson One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Winnebago One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
Woodford One Family$498,257 Two Family$637,950 Three Family$771,125 Four Family$958,350
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