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See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

See what's happening with home values in more than 400 metropolitan areas with HSH's Home Value Tracker, just updated though the second quarter of 2022.

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

2022 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 2022 FHA loan limits for each county in in Illinois are below.

County Name One Family Two Family Three Family Four Family
Adams One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Alexander One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bond One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Boone One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Brown One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Bureau One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Calhoun One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Carroll One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Cass One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Champaign One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Christian One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Clark One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Clay One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Clinton One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Coles One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Cook One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Crawford One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Cumberland One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
De Witt One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Dekalb One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Douglas One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Dupage One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Edgar One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Edwards One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Effingham One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Fayette One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Ford One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Franklin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Fulton One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Gallatin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Greene One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Grundy One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hamilton One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hancock One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Hardin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Henderson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Henry One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Iroquois One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Jackson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Jasper One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Jefferson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Jersey One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Jo Daviess One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Johnson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Kane One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Kankakee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Kendall One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Knox One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lake One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lasalle One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lawrence One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Lee One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Livingston One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Logan One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Macon One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Macoupin One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Madison One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Marion One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Marshall One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mason One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Massac One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mcdonough One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mchenry One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mclean One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Menard One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Mercer One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Monroe One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Montgomery One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Morgan One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Moultrie One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Ogle One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Peoria One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Perry One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Piatt One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Pike One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Pope One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Pulaski One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Putnam One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Randolph One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Richland One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Rock Island One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Saline One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Sangamon One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Schuyler One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Scott One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Shelby One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
St. Clair One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Stark One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Stephenson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Tazewell One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Union One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Vermilion One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Wabash One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Warren One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Washington One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Wayne One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
White One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Whiteside One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Will One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Williamson One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Winnebago One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
Woodford One Family$420,680 Two Family$538,650 Three Family$651,050 Four Family$809,150
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