What Is the FHA Loan Limit in St. Clair County?

The 2026 FHA one-unit cap in St. Clair County is $541,287. Two-unit is $693,050, three-unit is $837,700, and four-unit is $1,041,125. Limits are set by county. The property address picks the county when a ZIP lists more than one.

Are USDA Loans Available in St. Clair County?

USDA property eligibility is the street address, not the county. St. Clair County is not scored as eligible or ineligible as a whole. Enter a ZIP on the property eligibility map, then confirm a specific address with a lender.

What Is the USDA Income Limit in St. Clair County?

USDA 502 Guaranteed 1–4 person moderate income in St. Clair County is $130,550. The 5–8 person figure is $172,350. Enter a ZIP to confirm the figure for a specific area.

Does a County Decide USDA Property Eligibility?

No. USDA scores the property address. This page lists FHA 1–4 unit caps and USDA 502 Guaranteed moderate income figures that appear in St. Clair County. Income can split a county. Neither figure marks the county as USDA eligible or ineligible.

FHA Loan Limits and USDA Eligibility in St. Clair County, Illinois

2026 FHA one-unit limit in St. Clair 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

St. Clair 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
62059	$541,287	$130,550
62071	$541,287	$130,550
62201	$541,287	$130,550
62202	$541,287	$130,550
62203	$541,287	$130,550
62204	$541,287	$130,550
62205	$541,287	$130,550
62206	$541,287	$130,550
62207	$541,287	$130,550
62208	$541,287	$130,550
62220	$541,287	$130,550
62221	$541,287	$130,550
62222	$541,287	$130,550
62223	$541,287	$130,550
62225	$541,287	$130,550
62226	$541,287	$130,550
62232	$541,287	$130,550
62234	$541,287	$130,550
62236	$541,287	$130,550
62239	$541,287	$130,550
62240	$541,287	$130,550
62243	$541,287	$130,550
62254	$541,287	$130,550
62255	$541,287	$130,550
62257	$541,287	$122,800
62258	$541,287	$130,550
62260	$541,287	$130,550
62264	$541,287	$130,550
62265	$541,287	$130,550
62269	$541,287	$130,550
62282	$541,287	$130,550
62285	$541,287	$130,550
62289	$541,287	$130,550

FAQ for St. Clair County

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Illinois FHA limits and USDA eligibility FHA loan limits map USDA property eligibility map USDA income limits map FHA loan program USDA loan program