FHA Loan Limits in Illinois (2026)
For 2026, the FHA loan limit in most Illinois counties is $541,287 for a single-family home. Illinois has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in Illinois
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Cook County | $541,287 | $692,997 | $1,041,072 | Standard |
| DuPage County | $541,287 | $692,997 | $1,041,072 | Standard |
| Lake County | $541,287 | $692,997 | $1,041,072 | Standard |
| Will County | $541,287 | $692,997 | $1,041,072 | Standard |
| Kane County | $541,287 | $692,997 | $1,041,072 | Standard |
| McHenry County | $541,287 | $692,997 | $1,041,072 | Standard |
| Winnebago County | $541,287 | $692,997 | $1,041,072 | Standard |
| Madison County | $541,287 | $692,997 | $1,041,072 | Standard |
| St. Clair County | $541,287 | $692,997 | $1,041,072 | Standard |
| Champaign County | $541,287 | $692,997 | $1,041,072 | Standard |
| Sangamon County | $541,287 | $692,997 | $1,041,072 | Standard |
| Peoria County | $541,287 | $692,997 | $1,041,072 | Standard |
| McLean County | $541,287 | $692,997 | $1,041,072 | Standard |
| Rock Island County | $541,287 | $692,997 | $1,041,072 | Standard |
| Tazewell County | $541,287 | $692,997 | $1,041,072 | Standard |
| Kendall County | $541,287 | $692,997 | $1,041,072 | Standard |
| LaSalle County | $541,287 | $692,997 | $1,041,072 | Standard |
| Macon County | $541,287 | $692,997 | $1,041,072 | Standard |
| DeKalb County | $541,287 | $692,997 | $1,041,072 | Standard |
| Vermilion County | $541,287 | $692,997 | $1,041,072 | Standard |
| Williamson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Kankakee County | $541,287 | $692,997 | $1,041,072 | Standard |
| Adams County | $541,287 | $692,997 | $1,041,072 | Standard |
| Boone County | $541,287 | $692,997 | $1,041,072 | Standard |
| Whiteside County | $541,287 | $692,997 | $1,041,072 | Standard |
| Coles County | $541,287 | $692,997 | $1,041,072 | Standard |
| Ogle County | $541,287 | $692,997 | $1,041,072 | Standard |
| Knox County | $541,287 | $692,997 | $1,041,072 | Standard |
| Henry County | $541,287 | $692,997 | $1,041,072 | Standard |
| Macoupin County | $541,287 | $692,997 | $1,041,072 | Standard |
Illinois's median home price is roughly $270,000. With 3.5% down, an example FHA payment near that price is about $2,116/month including MIP, taxes, and insurance.
Buying with an FHA loan in Illinois
FHA loans are popular with first-time buyers in Illinois because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in Illinois for 2026?
- Most Illinois counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in Illinois?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.