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2025 FHA Loan Limits in Illinois

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FHA loans are backed and regulated by the Federal Housing Administration (FHA), and they come with a range of benefits for borrowers. These include easy credit qualification, low closing costs and down payments as low as 3.5%. Borrowers can also use FHA loans to purchase properties with one to four units, which makes these home loans especially flexible.

FHA loans must fall under loan limits that vary by county, state and type of residence. In Illinois, all counties have the same FHA loan limit of $524,225 for single-family homes in 2025.

Illinois FHA loan limits by county

County name	One unit	Two units	Three units	Four units	Median sales price
ADAMS	$524,225	$671,200	$811,275	$1,008,300	$154,000
ALEXANDER	$524,225	$671,200	$811,275	$1,008,300	$218,000
BOND	$524,225	$671,200	$811,275	$1,008,300	$362,000
BOONE	$524,225	$671,200	$811,275	$1,008,300	$260,000
BROWN	$524,225	$671,200	$811,275	$1,008,300	$78,000
BUREAU	$524,225	$671,200	$811,275	$1,008,300	$211,000
CALHOUN	$524,225	$671,200	$811,275	$1,008,300	$362,000
CARROLL	$524,225	$671,200	$811,275	$1,008,300	$100,000
CASS	$524,225	$671,200	$811,275	$1,008,300	$76,000
CHAMPAIGN	$524,225	$671,200	$811,275	$1,008,300	$238,000
CHRISTIAN	$524,225	$671,200	$811,275	$1,008,300	$97,000
CLARK	$524,225	$671,200	$811,275	$1,008,300	$100,000
CLAY	$524,225	$671,200	$811,275	$1,008,300	$88,000
CLINTON	$524,225	$671,200	$811,275	$1,008,300	$362,000
COLES	$524,225	$671,200	$811,275	$1,008,300	$125,000
COOK	$524,225	$671,200	$811,275	$1,008,300	$441,000
CRAWFORD	$524,225	$671,200	$811,275	$1,008,300	$87,000
CUMBERLAND	$524,225	$671,200	$811,275	$1,008,300	$125,000
DE WITT	$524,225	$671,200	$811,275	$1,008,300	$115,000
DEKALB	$524,225	$671,200	$811,275	$1,008,300	$441,000
DOUGLAS	$524,225	$671,200	$811,275	$1,008,300	$120,000
DUPAGE	$524,225	$671,200	$811,275	$1,008,300	$441,000
EDGAR	$524,225	$671,200	$811,275	$1,008,300	$123,000
EDWARDS	$524,225	$671,200	$811,275	$1,008,300	$81,000
EFFINGHAM	$524,225	$671,200	$811,275	$1,008,300	$175,000
FAYETTE	$524,225	$671,200	$811,275	$1,008,300	$87,000
FORD	$524,225	$671,200	$811,275	$1,008,300	$126,000
FRANKLIN	$524,225	$671,200	$811,275	$1,008,300	$106,000
FULTON	$524,225	$671,200	$811,275	$1,008,300	$155,000
GALLATIN	$524,225	$671,200	$811,275	$1,008,300	$63,000
GREENE	$524,225	$671,200	$811,275	$1,008,300	$100,000
GRUNDY	$524,225	$671,200	$811,275	$1,008,300	$441,000
HAMILTON	$524,225	$671,200	$811,275	$1,008,300	$85,000
HANCOCK	$524,225	$671,200	$811,275	$1,008,300	$125,000
HARDIN	$524,225	$671,200	$811,275	$1,008,300	$35,000
HENDERSON	$524,225	$671,200	$811,275	$1,008,300	$131,000
HENRY	$524,225	$671,200	$811,275	$1,008,300	$215,000
IROQUOIS	$524,225	$671,200	$811,275	$1,008,300	$87,000
JACKSON	$524,225	$671,200	$811,275	$1,008,300	$193,000
JASPER	$524,225	$671,200	$811,275	$1,008,300	$72,000
JEFFERSON	$524,225	$671,200	$811,275	$1,008,300	$110,000
JERSEY	$524,225	$671,200	$811,275	$1,008,300	$362,000
JO DAVIESS	$524,225	$671,200	$811,275	$1,008,300	$194,000
JOHNSON	$524,225	$671,200	$811,275	$1,008,300	$193,000
KANE	$524,225	$671,200	$811,275	$1,008,300	$441,000
KANKAKEE	$524,225	$671,200	$811,275	$1,008,300	$167,000
KENDALL	$524,225	$671,200	$811,275	$1,008,300	$441,000
KNOX	$524,225	$671,200	$811,275	$1,008,300	$96,000
LAKE	$524,225	$671,200	$811,275	$1,008,300	441,000
LASALLE	$524,225	$671,200	$811,275	$1,008,300	$211,000
LAWRENCE	$524,225	$671,200	$811,275	$1,008,300	$123,000
LEE	$524,225	$671,200	$811,275	$1,008,300	$135,000
LIVINGSTON	$524,225	$671,200	$811,275	$1,008,300	$125,000
LOGAN	$524,225	$671,200	$811,275	$1,008,300	$112,000
MACON	$524,225	$671,200	$811,275	$1,008,300	$110,000
MACOUPIN	$524,225	$671,200	$811,275	$1,008,300	$362,000
MADISON	$524,225	$671,200	$811,275	$1,008,300	$362,000
MARION	$524,225	$671,200	$811,275	$1,008,300	$77,000
MARSHALL	$524,225	$671,200	$811,275	$1,008,300	$155,000
MASON	$524,225	$671,200	$811,275	$1,008,300	$76,000
MASSAC	$524,225	$671,200	$811,275	$1,008,300	$164,000
MCDONOUGH	$524,225	$671,200	$811,275	$1,008,300	$80,000
MCHENRY	$524,225	$671,200	$811,275	$1,008,300	$441,000
MCLEAN	$524,225	$671,200	$811,275	$1,008,300	$225,000
MENARD	$524,225	$671,200	$811,275	$1,008,300	$158,000
MERCER	$524,225	$671,200	$811,275	$1,008,300	$215,000
MONROE	$524,225	$671,200	$811,275	$1,008,300	$362,000
MONTGOMERY	$524,225	$671,200	$811,275	$1,008,300	$86,000
MORGAN	$524,225	$671,200	$811,275	$1,008,300	$115,000
MOULTRIE	$524,225	$671,200	$811,275	$1,008,300	$125,000
OGLE	$524,225	$671,200	$811,275	$1,008,300	$175,000
PEORIA	$524,225	$671,200	$811,275	$1,008,300	$155,000
PERRY	$524,225	$671,200	$811,275	$1,008,300	$79,000
PIATT	$524,225	$671,200	$811,275	$1,008,300	$238,000
PIKE	$524,225	$671,200	$811,275	$1,008,300	$127,000
POPE	$524,225	$671,200	$811,275	$1,008,300	$40,000
PULASKI	$524,225	$671,200	$811,275	$1,008,300	$107,000
PUTNAM	$524,225	$671,200	$811,275	$1,008,300	$211,000
RANDOLPH	$524,225	$671,200	$811,275	$1,008,300	$111,000
RICHLAND	$524,225	$671,200	$811,275	$1,008,300	$139,000
ROCK ISLAND	$524,225	$671,200	$811,275	$1,008,300	$215,000
SALINE	$524,225	$671,200	$811,275	$1,008,300	$70,000
SANGAMON	$524,225	$671,200	$811,275	$1,008,300	$158,000
SCHUYLER	$524,225	$671,200	$811,275	$1,008,300	$83,000
SCOTT	$524,225	$671,200	$811,275	$1,008,300	$115,000
SHELBY	$524,225	$671,200	$811,275	$1,008,300	$98,000
ST. CLAIR	$524,225	$671,200	$811,275	$1,008,300	$362,000
STARK	$524,225	$671,200	$811,275	$1,008,300	$155,000
STEPHENSON	$524,225	$671,200	$811,275	$1,008,300	$95,000
TAZEWELL	$524,225	$671,200	$811,275	$1,008,300	$155,000
UNION	$524,225	$671,200	$811,275	$1,008,300	$169,000
VERMILION	$524,225	$671,200	$811,275	$1,008,300	$80,000
WABASH	$524,225	$671,200	$811,275	$1,008,300	$123,000
WARREN	$524,225	$671,200	$811,275	$1,008,300	$100,000
WASHINGTON	$524,225	$671,200	$811,275	$1,008,300	$193,000
WAYNE	$524,225	$671,200	$811,275	$1,008,300	$83,000
WHITE	$524,225	$671,200	$811,275	$1,008,300	$79,000
WHITESIDE	$524,225	$671,200	$811,275	$1,008,300	$110,000
WILL	$524,225	$671,200	$811,275	$1,008,300	$441,000
WILLIAMSON	$524,225	$671,200	$811,275	$1,008,300	$193,000
WINNEBAGO	$524,225	$671,200	$811,275	$811,275	$260,000
WOODFORD	$524,225	$671,200	$811,275	$811,275	$155,000

How are FHA loan limits determined?

FHA loan limits are updated each year based on a formula prescribed in the National Housing Act (NHA). The formula bases new FHA loan limits on a percentage of national conforming loan limits set by the Federal Housing Finance Agency (FHFA) for conventional mortgages owned by Fannie Mae and Freddie Mac.

Areas with higher cost of living throughout the country come with higher FHA loan limits, known as the “ceiling” for these loans, whereas lower cost areas have loan limits at the mortgage limit “floor.”

In 2025, FHA loan limits for single-family homes range from $524,225 to $1,209,750 nationwide. But those loan limits go up to as high as $1,814,625 in Alaska, Hawaii, Guam and the U.S. Virgin Islands, which are designated as special exception areas because of the higher cost of construction.

How to qualify for an FHA loan in Illinois

With a range of benefits for homeowners, including down payment requirements as low as 3.5% and easy credit requirements to get approved, using an FHA loan for a home purchase can be a smart move. However, it’s important to understand the differences that come with these loans, including a requirement for FHA mortgage insurance to be paid upfront and on a monthly basis.

Buyers in Illinois also need to understand the FHA loan limits that apply, which are the same throughout every county in the state.

Here are the most important FHA loan requirements you should know about:

Minimum credit score: FHA loans are available for borrowers with a credit score as low as 500 with a 10% down payment, or scores as low as 580 with a 3.5% down payment.
Down payment: To get approved with a down payment as low as 3.5% you’ll need a credit score of 580 or above, or a down payment of 10% with a credit score as low as 500.
Debt-to-income ratio: A debt-to-income (DTI) ratio of 43% or below is typically required for FHA loans. This ratio shows how your monthly debt payments compare to your gross monthly income.
FHA appraisal: An FHA appraisal is also required for these loans. This appraisal helps estimate the market value of the home, and it shows the property meets safety requirements for occupancy.
Income limits: FHA loans do not come with income limits or caps, which makes them useful for a broader range of potential homeowners.
Loan limits: FHA loan limits in Illinois range from $524,225 for single-family homes to $1,008,300 for properties with four units.
Mortgage insurance: FHA mortgage insurance is charged upfront and on a monthly basis throughout the life of the loan.
Occupancy requirements: FHA loans can only be used for a primary residence. The homeowner must occupy the home for at least one year after closing.

Buying a multifamily property with an FHA loan

A major benefit of FHA loans is the fact that borrowers can use them to purchase multifamily properties with up to four units for as little as 3.5% down. The homeowner is still required to occupy one of the units as their primary residence for at least one year, but they can rent out the other units during that time. After the first year of ownership, the buyer has the option to rent out all the units in the home.

This means FHA loans can be a valuable tool for house hacking, provided the buyer is willing to live on-site for a minimum of 12 months. This is true for homeowners who want to live in one unit permanently and rent out the others in order to have their housing costs fully or partially covered, as well as buyers who want a property they can eventually use solely for investment purposes.

Basic requirements to get a FHA loan still apply, including: