FHA Loan Limits and USDA Eligibility in Cook County, Illinois
2026 FHA one-unit limit in Cook 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 $139,750. 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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Cook 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.
| ZIP | FHA one-unit loan limit | USDA 1–4 person moderate income |
|---|---|---|
| 60004 | $541,287 | $139,750 |
| 60005 | $541,287 | $139,750 |
| 60007 | $541,287 | $139,750 |
| 60008 | $541,287 | $139,750 |
| 60010 | $541,287 | $139,750 |
| 60016 | $541,287 | $139,750 |
| 60018 | $541,287 | $139,750 |
| 60022 | $541,287 | $139,750 |
| 60025 | $541,287 | $139,750 |
| 60026 | $541,287 | $139,750 |
| 60029 | $541,287 | $139,750 |
| 60043 | $541,287 | $139,750 |
| 60053 | $541,287 | $139,750 |
| 60056 | $541,287 | $139,750 |
| 60062 | $541,287 | $139,750 |
| 60067 | $541,287 | $139,750 |
| 60068 | $541,287 | $139,750 |
| 60070 | $541,287 | $139,750 |
| 60074 | $541,287 | $139,750 |
| 60076 | $541,287 | $139,750 |
| 60077 | $541,287 | $139,750 |
| 60089 | $541,287 | $139,750 |
| 60090 | $541,287 | $139,750 |
| 60091 | $541,287 | $139,750 |
| 60093 | $541,287 | $139,750 |
| 60103 | $541,287 | $139,750 |
| 60104 | $541,287 | $139,750 |
| 60107 | $541,287 | $139,750 |
| 60120 | $541,287 | $139,750 |
| 60126 | $541,287 | $139,750 |
| 60130 | $541,287 | $139,750 |
| 60131 | $541,287 | $139,750 |
| 60133 | $541,287 | $139,750 |
| 60153 | $541,287 | $139,750 |
| 60154 | $541,287 | $139,750 |
| 60155 | $541,287 | $139,750 |
| 60157 | $541,287 | $139,750 |
| 60160 | $541,287 | $139,750 |
| 60162 | $541,287 | $139,750 |
| 60163 | $541,287 | $139,750 |
| 60164 | $541,287 | $139,750 |
| 60165 | $541,287 | $139,750 |
| 60169 | $541,287 | $139,750 |
| 60171 | $541,287 | $139,750 |
| 60172 | $541,287 | $139,750 |
| 60173 | $541,287 | $139,750 |
| 60176 | $541,287 | $139,750 |
| 60189 | $541,287 | $139,750 |
| 60192 | $541,287 | $139,750 |
| 60193 | $541,287 | $139,750 |
| 60194 | $541,287 | $139,750 |
| 60195 | $541,287 | $139,750 |
| 60201 | $541,287 | $139,750 |
| 60202 | $541,287 | $139,750 |
| 60203 | $541,287 | $139,750 |
| 60301 | $541,287 | $139,750 |
| 60302 | $541,287 | $139,750 |
| 60304 | $541,287 | $139,750 |
| 60305 | $541,287 | $139,750 |
| 60402 | $541,287 | $139,750 |
| 60406 | $541,287 | $139,750 |
| 60409 | $541,287 | $139,750 |
| 60411 | $541,287 | $139,750 |
| 60415 | $541,287 | $139,750 |
| 60418 | $541,287 | $139,750 |
| 60419 | $541,287 | $139,750 |
| 60420 | $541,287 | $122,800 to $136,650 |
| 60422 | $541,287 | $139,750 |
| 60425 | $541,287 | $139,750 |
| 60426 | $541,287 | $139,750 |
| 60428 | $541,287 | $139,750 |
| 60429 | $541,287 | $139,750 |
| 60430 | $541,287 | $139,750 |
| 60438 | $541,287 | $139,750 |
| 60439 | $541,287 | $139,750 |
| 60443 | $541,287 | $139,750 |
| 60445 | $541,287 | $139,750 |
| 60452 | $541,287 | $139,750 |
| 60453 | $541,287 | $139,750 |
| 60455 | $541,287 | $139,750 |
| 60456 | $541,287 | $139,750 |
| 60457 | $541,287 | $139,750 |
| 60458 | $541,287 | $139,750 |
| 60459 | $541,287 | $139,750 |
| 60461 | $541,287 | $139,750 |
| 60462 | $541,287 | $139,750 |
| 60463 | $541,287 | $139,750 |
| 60464 | $541,287 | $139,750 |
| 60465 | $541,287 | $139,750 |
| 60466 | $541,287 | $139,750 |
| 60467 | $541,287 | $139,750 |
| 60469 | $541,287 | $139,750 |
| 60471 | $541,287 | $139,750 |
| 60472 | $541,287 | $139,750 |
| 60473 | $541,287 | $139,750 |
| 60475 | $541,287 | $139,750 |
| 60476 | $541,287 | $139,750 |
| 60477 | $541,287 | $139,750 |
| 60478 | $541,287 | $139,750 |
| 60480 | $541,287 | $139,750 |
| 60482 | $541,287 | $139,750 |
| 60487 | $541,287 | $139,750 |
| 60501 | $541,287 | $139,750 |
| 60513 | $541,287 | $139,750 |
| 60521 | $541,287 | $139,750 |
| 60525 | $541,287 | $139,750 |
| 60526 | $541,287 | $139,750 |
| 60527 | $541,287 | $139,750 |
| 60534 | $541,287 | $139,750 |
| 60546 | $541,287 | $139,750 |
| 60558 | $541,287 | $139,750 |
| 60601 | $541,287 | $139,750 |
| 60602 | $541,287 | $139,750 |
| 60603 | $541,287 | $139,750 |
| 60604 | $541,287 | $139,750 |
| 60605 | $541,287 | $139,750 |
| 60606 | $541,287 | $139,750 |
| 60607 | $541,287 | $139,750 |
| 60608 | $541,287 | $139,750 |
| 60609 | $541,287 | $139,750 |
| 60610 | $541,287 | $139,750 |
| 60611 | $541,287 | $139,750 |
| 60612 | $541,287 | $139,750 |
| 60613 | $541,287 | $139,750 |
| 60614 | $541,287 | $139,750 |
| 60615 | $541,287 | $139,750 |
| 60616 | $541,287 | $139,750 |
| 60617 | $541,287 | $139,750 |
| 60618 | $541,287 | $139,750 |
| 60619 | $541,287 | $139,750 |
| 60620 | $541,287 | $139,750 |
| 60621 | $541,287 | $139,750 |
| 60622 | $541,287 | $139,750 |
| 60623 | $541,287 | $139,750 |
| 60624 | $541,287 | $139,750 |
| 60625 | $541,287 | $139,750 |
| 60626 | $541,287 | $139,750 |
| 60628 | $541,287 | $139,750 |
| 60629 | $541,287 | $139,750 |
| 60630 | $541,287 | $139,750 |
| 60631 | $541,287 | $139,750 |
| 60632 | $541,287 | $139,750 |
| 60633 | $541,287 | $139,750 |
| 60634 | $541,287 | $139,750 |
| 60636 | $541,287 | $139,750 |
| 60637 | $541,287 | $139,750 |
| 60638 | $541,287 | $139,750 |
| 60639 | $541,287 | $139,750 |
| 60640 | $541,287 | $139,750 |
| 60641 | $541,287 | $139,750 |
| 60642 | $541,287 | $139,750 |
| 60643 | $541,287 | $139,750 |
| 60644 | $541,287 | $139,750 |
| 60645 | $541,287 | $139,750 |
| 60646 | $541,287 | $139,750 |
| 60647 | $541,287 | $139,750 |
| 60649 | $541,287 | $139,750 |
| 60651 | $541,287 | $139,750 |
| 60652 | $541,287 | $139,750 |
| 60653 | $541,287 | $139,750 |
| 60654 | $541,287 | $139,750 |
| 60655 | $541,287 | $139,750 |
| 60656 | $541,287 | $139,750 |
| 60657 | $541,287 | $139,750 |
| 60659 | $541,287 | $139,750 |
| 60660 | $541,287 | $139,750 |
| 60661 | $541,287 | $139,750 |
| 60706 | $541,287 | $139,750 |
| 60707 | $541,287 | $139,750 |
| 60712 | $541,287 | $139,750 |
| 60714 | $541,287 | $139,750 |
| 60803 | $541,287 | $139,750 |
| 60804 | $541,287 | $139,750 |
| 60805 | $541,287 | $139,750 |
| 60827 | $541,287 | $139,750 |
| 61350 | $541,287 | $122,800 |