FHA Loan Limits in Macon County, Illinois (2026)
Macon County and the rest of Macon County, Illinois fall under a 2026 one-unit FHA limit of $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 |
Every community in Macon County — Macon County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Cook and Lake Counties.
How much home can you afford in Macon County?
Homes around Macon County carry an estimated local median near $271,000, so an FHA buyer in Macon County puts down about $9,485 (3.5%). With Illinois's 2.23% effective property-tax rate, the all-in payment runs near $2,379 a month — comfortable on household income around $92,000, above Illinois's $78,433 median household income, so budget carefully.
FHA payment scenarios in Macon County
Here is what an FHA payment looks like at three Macon County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $195,000 | $6,825 | $1,744 |
| Local median — $271,000 | $9,485 | $2,379 |
| At the FHA limit — $541,287 | $18,945 | $4,634 |
Estimates include FHA MIP plus Illinois property taxes and insurance. Rates move daily near Macon County too — get notified.
Buyers across Macon County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $9,485 down payment near Macon County into little out of pocket.
Multi-unit FHA limits in Macon County
Looking at a duplex or fourplex near Macon County? FHA allows up to $692,997 on two units and $1,041,072 on four in Macon 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 Macon County for 2026?
- In Macon County (Macon 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 Macon County with FHA?
- For a median-priced ($271,000) Macon County home, plan on income around $92,000 at a 31% housing ratio — about $2,379/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Macon County?
- 3.5% with a 580+ score — roughly $9,485 on a $271,000 Macon County-area home. Gift funds are allowed.
- Is Macon County a high-cost FHA area?
- No — Macon County uses the $541,287 national floor for one unit.