FHA Loan Limits in Kendall County, Illinois (2026)
In Kendall County — anchored by Kendall County — the 2026 FHA loan limit for a single-family home is $541,287. That matches the national FHA floor used across most of the Midwest.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
These 2026 limits apply throughout Kendall County, from Kendall County outward, and sit alongside the limits set for neighboring Cook and Lake Counties.
Affording a home in Kendall County & Kendall County
An FHA buyer near Kendall County faces an estimated $240,000 median, a $8,400 down payment, and — after Illinois's 2.23% property tax — a monthly cost around $2,120. That suits household income of roughly $82,000, above Illinois's $78,433 median household income, so budget carefully.
FHA payment scenarios in Kendall County
Here is what an FHA payment looks like at three Kendall County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $173,000 | $6,055 | $1,561 |
| Local median — $240,000 | $8,400 | $2,120 |
| At the FHA limit — $541,287 | $18,945 | $4,634 |
Estimates include FHA MIP plus Illinois property taxes and insurance. Rates move daily near Kendall County too — get notified.
In Kendall County and the surrounding Kendall County market, FHA's appeal is the math: $8,400 down on a $240,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Kendall County
Looking at a duplex or fourplex near Kendall County? FHA allows up to $692,997 on two units and $1,041,072 on four in Kendall County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Kendall County for 2026?
- In Kendall County (Kendall County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Kendall County with FHA?
- For a median-priced ($240,000) Kendall County home, plan on income around $82,000 at a 31% housing ratio — about $2,120/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Kendall County?
- 3.5% with a 580+ score — roughly $8,400 on a $240,000 Kendall County-area home. Gift funds are allowed.
- Is Kendall County a high-cost FHA area?
- No — Kendall County uses the $541,287 national floor for one unit.