FHA Loan Limits and USDA Eligibility in Sangamon County, Illinois
2026 FHA one-unit limit in Sangamon 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 $132,100. 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
Sangamon 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 |
|---|---|---|
| 62515 | $541,287 | $132,100 |
| 62520 | $541,287 | $132,100 |
| 62530 | $541,287 | $132,100 |
| 62536 | $541,287 | $132,100 |
| 62539 | $541,287 | $122,800 to $132,100 |
| 62545 | $541,287 | $122,800 to $132,100 |
| 62558 | $541,287 | $122,800 to $132,100 |
| 62561 | $541,287 | $132,100 |
| 62563 | $541,287 | $122,800 to $132,100 |
| 62615 | $541,287 | $132,100 |
| 62625 | $541,287 | $132,100 |
| 62629 | $541,287 | $132,100 |
| 62661 | $541,287 | $132,100 |
| 62662 | $541,287 | $132,100 |
| 62670 | $541,287 | $122,800 to $132,100 |
| 62677 | $541,287 | $132,100 |
| 62684 | $541,287 | $132,100 |
| 62689 | $541,287 | $132,100 |
| 62693 | $541,287 | $122,800 to $132,100 |
| 62701 | $541,287 | $132,100 |
| 62702 | $541,287 | $132,100 |
| 62703 | $541,287 | $132,100 |
| 62704 | $541,287 | $132,100 |
| 62705 | $541,287 | $132,100 |
| 62706 | $541,287 | $132,100 |
| 62707 | $541,287 | $132,100 |
| 62708 | $541,287 | $132,100 |
| 62711 | $541,287 | $132,100 |
| 62712 | $541,287 | $132,100 |
| 62715 | $541,287 | $132,100 |
| 62716 | $541,287 | $132,100 |
| 62719 | $541,287 | $132,100 |
| 62722 | $541,287 | $132,100 |
| 62723 | $541,287 | $132,100 |
| 62726 | $541,287 | $132,100 |
| 62736 | $541,287 | $132,100 |
| 62739 | $541,287 | $132,100 |
| 62756 | $541,287 | $132,100 |
| 62757 | $541,287 | $132,100 |
| 62762 | $541,287 | $132,100 |
| 62763 | $541,287 | $132,100 |
| 62764 | $541,287 | $132,100 |
| 62765 | $541,287 | $132,100 |
| 62766 | $541,287 | $132,100 |
| 62767 | $541,287 | $132,100 |
| 62769 | $541,287 | $132,100 |
| 62776 | $541,287 | $132,100 |
| 62781 | $541,287 | $132,100 |
| 62791 | $541,287 | $132,100 |
| 62796 | $541,287 | $132,100 |