FHA Loan Limits and USDA Eligibility in Lake County, Illinois
2026 FHA one-unit limit in Lake 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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EligibleIneligibleUSDA ineligible boundary
Lake 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 |
|---|---|---|
| 60002 | $541,287 | $139,750 |
| 60010 | $541,287 | $139,750 |
| 60015 | $541,287 | $139,750 |
| 60020 | $541,287 | $139,750 |
| 60030 | $541,287 | $139,750 |
| 60031 | $541,287 | $139,750 |
| 60035 | $541,287 | $139,750 |
| 60040 | $541,287 | $139,750 |
| 60041 | $541,287 | $139,750 |
| 60042 | $541,287 | $139,750 |
| 60044 | $541,287 | $139,750 |
| 60045 | $541,287 | $139,750 |
| 60046 | $541,287 | $139,750 |
| 60047 | $541,287 | $139,750 |
| 60048 | $541,287 | $139,750 |
| 60050 | $541,287 | $139,750 |
| 60051 | $541,287 | $139,750 |
| 60060 | $541,287 | $139,750 |
| 60061 | $541,287 | $139,750 |
| 60064 | $541,287 | $139,750 |
| 60069 | $541,287 | $139,750 |
| 60073 | $541,287 | $139,750 |
| 60075 | $541,287 | $139,750 |
| 60081 | $541,287 | $139,750 |
| 60083 | $541,287 | $139,750 |
| 60084 | $541,287 | $139,750 |
| 60085 | $541,287 | $139,750 |
| 60087 | $541,287 | $139,750 |
| 60088 | $541,287 | $139,750 |
| 60089 | $541,287 | $139,750 |
| 60096 | $541,287 | $139,750 |
| 60099 | $541,287 | $139,750 |