FHA Loan Limits in Rock Island County, Illinois (2026)
From Rock Island County, FHA buyers in Rock Island County can finance a one-unit home up to $541,287 with 3.5% down in 2026. 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 |
From Rock Island County to the edges of Rock Island County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Cook and Lake Counties.
What can you buy with FHA in Rock Island County?
With Rock Island County's median sale price estimated near $305,000 (think Rock Island County), the FHA down payment is roughly $10,675. Factoring Illinois property taxes near 2.23%, expect about $2,662 monthly, pointing to income near $103,000 — above Illinois's $78,433 median household income, so budget carefully.
FHA payment scenarios in Rock Island County
FHA payments across Rock Island County price points — from entry homes near Rock Island County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $220,000 | $7,700 | $1,953 |
| Local median — $305,000 | $10,675 | $2,662 |
| At the FHA limit — $541,287 | $18,945 | $4,634 |
Estimates include FHA MIP plus Illinois property taxes and insurance. Rates move daily near Rock Island County too — get notified.
First-time buyers make up much of FHA activity in Rock Island County and across Rock Island County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $10,675 needed on a median Rock Island County home.
Multi-unit FHA limits in Rock Island County
Rock Island County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Rock Island County can live in one unit and rent the rest to offset the mortgage.
Be First to Know When FHA Rates Move
One quick signup and we keep you posted on FHA rate drops, new programs, and requirement changes.
Free to join. Msg & data rates may apply; reply STOP to opt out. See our Terms & Privacy Policy.
Frequently Asked Questions
- What is the FHA loan limit in Rock Island County for 2026?
- In Rock Island County (Rock Island 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 Rock Island County with FHA?
- For a median-priced ($305,000) Rock Island County home, plan on income around $103,000 at a 31% housing ratio — about $2,662/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Rock Island County?
- 3.5% with a 580+ score — roughly $10,675 on a $305,000 Rock Island County-area home. Gift funds are allowed.
- Is Rock Island County a high-cost FHA area?
- No — Rock Island County uses the $541,287 national floor for one unit.