FHA Loan Limits in Tazewell County, Illinois (2026)
Tazewell County and the rest of Tazewell 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 |
These 2026 limits apply throughout Tazewell County, from Tazewell County outward, and sit alongside the limits set for neighboring Cook and Lake Counties.
How much home can you afford in Tazewell County?
An FHA buyer near Tazewell County faces an estimated $250,000 median, a $8,750 down payment, and — after Illinois's 2.23% property tax — a monthly cost around $2,203. That suits household income of roughly $85,000, above Illinois's $78,433 median household income, so budget carefully.
FHA payment scenarios in Tazewell County
Here is what an FHA payment looks like at three Tazewell County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $180,000 | $6,300 | $1,619 |
| Local median — $250,000 | $8,750 | $2,203 |
| At the FHA limit — $541,287 | $18,945 | $4,634 |
Estimates include FHA MIP plus Illinois property taxes and insurance. Rates move daily near Tazewell County too — get notified.
In Tazewell County and the surrounding Tazewell County market, FHA's appeal is the math: $8,750 down on a $250,000 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Tazewell County
Looking at a duplex or fourplex near Tazewell County? FHA allows up to $692,997 on two units and $1,041,072 on four in Tazewell 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 Tazewell County for 2026?
- In Tazewell County (Tazewell 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 Tazewell County with FHA?
- For a median-priced ($250,000) Tazewell County home, plan on income around $85,000 at a 31% housing ratio — about $2,203/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Tazewell County?
- 3.5% with a 580+ score — roughly $8,750 on a $250,000 Tazewell County-area home. Gift funds are allowed.
- Is Tazewell County a high-cost FHA area?
- No — Tazewell County uses the $541,287 national floor for one unit.