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Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Buying a home for the holidays, and hoping for a bargain? Learn the pros and cons of buying a home during the winter months.

Current FHA Mortgage Rates in IL - Illinios FHA Mortgage

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.

Select County
County Name One Family Two Family Three Family Four Family
Adams One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Alexander One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bond One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Boone One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Brown One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bureau One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Calhoun One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Carroll One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cass One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Champaign One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Christian One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clark One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clay One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clinton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Coles One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cook One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Crawford One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cumberland One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
De Witt One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dekalb One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Douglas One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dupage One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Edgar One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Edwards One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Effingham One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fayette One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Ford One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Franklin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fulton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Gallatin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Greene One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Grundy One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hamilton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hancock One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hardin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Henderson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Henry One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Iroquois One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jackson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jasper One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jefferson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jersey One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jo Daviess One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Johnson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Kane One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Kankakee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Kendall One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Knox One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lake One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lasalle One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lawrence One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Livingston One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Logan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Macon One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Macoupin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Madison One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Marion One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Marshall One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mason One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Massac One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mcdonough One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mchenry One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mclean One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Menard One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mercer One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Monroe One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Montgomery One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Morgan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Moultrie One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Ogle One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Peoria One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Perry One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Piatt One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pike One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pope One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pulaski One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Putnam One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Randolph One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Richland One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Rock Island One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Saline One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sangamon One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Schuyler One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Scott One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Shelby One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
St. Clair One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Stark One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Stephenson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Tazewell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Union One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Vermilion One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wabash One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Warren One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Washington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Wayne One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
White One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Whiteside One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Will One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Williamson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Winnebago One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Woodford One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

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