FHA loan limits and USDA eligibility for ZIP 60042 — Island Lake, IL

FHA county loan caps, USDA property eligibility, and USDA household income limits for this ZIP. USDA looks unlikely here, so FHA is listed first.

See figures for this ZIP
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2026 FHA loan limits

Henry County

1-unit

$541,287

2-unit

$693,050

3-unit

$837,700

4-unit

$1,041,125

Lake County

1-unit

$541,287

2-unit

$693,050

3-unit

$837,700

4-unit

$1,041,125

McHenry County

1-unit

$541,287

2-unit

$693,050

3-unit

$837,700

4-unit

$1,041,125

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USDA property eligibility

Likely not eligible

Based on the ZIP’s geographic center vs USDA ineligible-area boundaries. The official test is the property address.

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USDA income limits

Lake County

1–4 person household income limit

$139,750

5–8 person household income limit

$184,500

  • Lake County (Primary): $139,750 / $184,500
  • McHenry County: $139,750 / $184,500

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FAQ for ZIP 60042

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