FHA Loan Limits and USDA Eligibility in Champaign County, Illinois

2026 FHA one-unit limit in Champaign County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. USDA 502 Guaranteed 1–4 person moderate income is $127,500. Enter a ZIP on the maps. USDA scores the property address, not the county.

2026 FHA Loan Limits Map for Illinois

Illinois one-unit limits: —
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Standard Floor: $541,287Mid-Tier: $541,288–$750,000High-Cost: $750,001–$1,000,000Elite Zone: $1,000,001+

USDA Property Eligibility and Income Limits Map for Illinois

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EligibleIneligibleUSDA ineligible boundary

Champaign County FHA Loan Limits and USDA Income

FHA one-unit caps are county. USDA 1–4 person guaranteed income can split a county; when a ZIP lists more than one cap, both are listed. This table does not mark a ZIP as USDA eligible or ineligible.

ZIPFHA one-unit loan limitUSDA 1–4 person moderate income
60949$541,287$122,800 to $127,500
61801$541,287$127,500
61802$541,287$127,500
61815$541,287$127,500
61816$541,287$127,500
61820$541,287$127,500
61821$541,287$127,500
61822$541,287$127,500
61840$541,287$127,500
61843$541,287$127,500 to $136,650
61845$541,287$122,800 to $127,500
61847$541,287$127,500
61849$541,287$122,800 to $127,500
61851$541,287$127,500
61852$541,287$122,800 to $127,500
61853$541,287$127,500
61859$541,287$122,800 to $127,500
61862$541,287$122,800 to $127,500
61863$541,287$127,500
61864$541,287$127,500
61866$541,287$127,500
61871$541,287$127,500
61872$541,287$122,800 to $127,500
61873$541,287$127,500
61874$541,287$127,500
61875$541,287$127,500
61877$541,287$127,500
61878$541,287$127,500
61880$541,287$127,500
61884$541,287$127,500

FAQ for Champaign County

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Illinois FHA limits and USDA eligibilityFHA loan limits mapUSDA property eligibility mapUSDA income limits mapFHA loan programUSDA loan program