FHA Loan Limits in Williamson County, Illinois (2026)
Buying in Williamson County or elsewhere in Williamson County? The 2026 FHA single-family limit across the county 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 |
Every community in Williamson County — Williamson County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Cook and Lake Counties.
FHA affordability around Williamson County
An FHA buyer near Williamson County faces an estimated $303,000 median, a $10,605 down payment, and — after Illinois's 2.23% property tax — a monthly cost around $2,646. That suits household income of roughly $102,000, above Illinois's $78,433 median household income, so budget carefully.
FHA payment scenarios in Williamson County
FHA payments across Williamson County price points — from entry homes near Williamson County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $218,000 | $7,630 | $1,936 |
| Local median — $303,000 | $10,605 | $2,646 |
| At the FHA limit — $541,287 | $18,945 | $4,634 |
Estimates include FHA MIP plus Illinois property taxes and insurance. Rates move daily near Williamson County too — get notified.
Buyers across Williamson County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $10,605 down payment near Williamson County into little out of pocket.
Multi-unit FHA limits in Williamson County
Williamson County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Williamson County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Williamson County for 2026?
- In Williamson County (Williamson 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 Williamson County with FHA?
- For a median-priced ($303,000) Williamson County home, plan on income around $102,000 at a 31% housing ratio — about $2,646/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Williamson County?
- 3.5% with a 580+ score — roughly $10,605 on a $303,000 Williamson County-area home. Gift funds are allowed.
- Is Williamson County a high-cost FHA area?
- No — Williamson County uses the $541,287 national floor for one unit.