FHA Loan Limits and USDA Eligibility in DeKalb County, Illinois
2026 FHA one-unit limit in DeKalb 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 $127,850. 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
DeKalb 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 |
|---|---|---|
| 60111 | $541,287 | $127,850 |
| 60112 | $541,287 | $127,850 |
| 60115 | $541,287 | $127,850 |
| 60129 | $541,287 | $122,800 to $127,850 |
| 60135 | $541,287 | $122,800 to $139,750 |
| 60145 | $541,287 | $122,800 to $127,850 |
| 60146 | $541,287 | $122,800 to $127,850 |
| 60150 | $541,287 | $127,850 |
| 60151 | $541,287 | $127,850 to $139,750 |
| 60178 | $541,287 | $127,850 to $139,750 |
| 60518 | $541,287 | $122,800 to $127,850 |
| 60520 | $541,287 | $127,850 |
| 60531 | $541,287 | $122,800 to $127,850 |
| 60548 | $541,287 | $122,800 to $153,550 |
| 60550 | $541,287 | $127,850 |
| 60552 | $541,287 | $122,800 to $127,850 |
| 60556 | $541,287 | $127,850 |