FHA Loan Limits and USDA Eligibility in Madison County, Illinois
2026 FHA one-unit limit in Madison 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 $130,550. 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
Madison 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 |
|---|---|---|
| 62001 | $541,287 | $130,550 |
| 62002 | $541,287 | $122,800 to $130,550 |
| 62010 | $541,287 | $130,550 |
| 62012 | $541,287 | $122,800 to $130,550 |
| 62018 | $541,287 | $130,550 |
| 62021 | $541,287 | $122,800 to $130,550 |
| 62024 | $541,287 | $130,550 |
| 62025 | $541,287 | $130,550 |
| 62026 | $541,287 | $130,550 |
| 62034 | $541,287 | $130,550 |
| 62035 | $541,287 | $130,550 |
| 62040 | $541,287 | $130,550 |
| 62046 | $541,287 | $130,550 |
| 62048 | $541,287 | $130,550 |
| 62058 | $541,287 | $130,550 |
| 62060 | $541,287 | $130,550 |
| 62061 | $541,287 | $130,550 |
| 62062 | $541,287 | $130,550 |
| 62067 | $541,287 | $130,550 |
| 62074 | $541,287 | $122,800 to $130,550 |
| 62084 | $541,287 | $130,550 |
| 62087 | $541,287 | $130,550 |
| 62088 | $541,287 | $122,800 to $130,550 |
| 62090 | $541,287 | $130,550 |
| 62095 | $541,287 | $130,550 |
| 62097 | $541,287 | $130,550 |
| 62234 | $541,287 | $130,550 |
| 62249 | $541,287 | $122,800 to $130,550 |
| 62275 | $541,287 | $122,800 to $130,550 |
| 62281 | $541,287 | $130,550 |
| 62294 | $541,287 | $130,550 |