FHA Loan Limits and USDA Eligibility in McLean County, Illinois
2026 FHA one-unit limit in McLean 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 $136,650. 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
McLean 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 |
|---|---|---|
| 61701 | $541,287 | $136,650 |
| 61702 | $541,287 | $136,650 |
| 61704 | $541,287 | $136,650 |
| 61705 | $541,287 | $136,650 |
| 61709 | $541,287 | $136,650 |
| 61720 | $541,287 | $122,800 to $136,650 |
| 61722 | $541,287 | $136,650 |
| 61724 | $541,287 | $136,650 |
| 61725 | $541,287 | $122,800 to $136,650 |
| 61726 | $541,287 | $122,800 to $136,650 |
| 61728 | $541,287 | $136,650 |
| 61730 | $541,287 | $136,650 |
| 61731 | $541,287 | $122,800 to $136,650 |
| 61732 | $541,287 | $122,800 to $136,650 |
| 61736 | $541,287 | $136,650 |
| 61737 | $541,287 | $136,650 |
| 61744 | $541,287 | $122,800 to $136,650 |
| 61745 | $541,287 | $122,800 to $136,650 |
| 61748 | $541,287 | $122,800 to $136,650 |
| 61752 | $541,287 | $122,800 to $136,650 |
| 61753 | $541,287 | $136,650 |
| 61754 | $541,287 | $122,800 to $136,650 |
| 61758 | $541,287 | $136,650 |
| 61761 | $541,287 | $136,650 |
| 61770 | $541,287 | $136,650 |
| 61772 | $541,287 | $136,650 |
| 61774 | $541,287 | $136,650 |
| 61776 | $541,287 | $136,650 |