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Wondering about where mortgage rates are headed? Check out our latest Two-Month Mortgage Rate Forecast.

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

2023 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 2023 FHA loan limits for each county in in Illinois are below.

County Name One Family Two Family Three Family Four Family
Adams One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Alexander One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Bond One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Boone One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Brown One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Bureau One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Calhoun One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Carroll One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Cass One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Champaign One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Christian One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Clark One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Clay One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Clinton One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Coles One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Cook One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Crawford One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Cumberland One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
De Witt One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Dekalb One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Douglas One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Dupage One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Edgar One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Edwards One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Effingham One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Fayette One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Ford One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Franklin One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Fulton One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Gallatin One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Greene One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Grundy One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Hamilton One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Hancock One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Hardin One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Henderson One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Henry One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Iroquois One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Jackson One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Jasper One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Jefferson One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Jersey One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Jo Daviess One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Johnson One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Kane One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Kankakee One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Kendall One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Knox One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lake One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lasalle One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lawrence One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Lee One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Livingston One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Logan One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Macon One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Macoupin One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Madison One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Marion One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Marshall One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Mason One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Massac One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Mcdonough One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Mchenry One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Mclean One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Menard One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Mercer One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Monroe One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Montgomery One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Morgan One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Moultrie One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Ogle One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Peoria One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Perry One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Piatt One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Pike One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Pope One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Pulaski One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Putnam One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Randolph One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Richland One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Rock Island One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Saline One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Sangamon One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Schuyler One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Scott One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Shelby One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
St. Clair One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Stark One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Stephenson One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Tazewell One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Union One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Vermilion One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Wabash One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Warren One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Washington One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Wayne One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
White One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Whiteside One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Will One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Williamson One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Winnebago One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
Woodford One Family$472,030 Two Family$604,400 Three Family$730,525 Four Family$907,900
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