USDA Guaranteed Loans are the most popular rural development mortgage program in Illinois.  Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.

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This approach means that the maximum loan limits for Guaranteed Loans are variable, with Illinois USDA income limits playing a major role.  Guaranteed Loan income limits across IL are listed below.

Illinois USDA Guaranteed Loan Income Limits

Area
1-4 Person Households
5-8 Person Households
Adams County, IL$86,850$114,650
Alexander County, IL SEA$86,850$114,650
Bloomington, IL HUD Metro FMR Area$105,350$139,050
Bond County, IL HUD Metro FMR Area$86,850$114,650
Brown County, IL$86,850$114,650
Bureau County, IL$86,850$114,650
Carroll County, IL$86,850$114,650
Cass County, IL$86,850$114,650
Champaign-Urbana, IL MSA$91,450$120,700
Chicago-Joliet-Naperville, IL HUD Metro FMR Area$102,500$135,300
Christian County, IL$86,850$114,650
Clark County, IL$86,850$114,650
Clay County, IL$86,850$114,650
Coles County, IL$86,850$114,650
Crawford County, IL$86,850$114,650
Cumberland County, IL$86,850$114,650
Danville, IL MSA$86,850$114,650
Davenport-Moline-Rock Island, IA-IL MSA$86,850$114,650
De Witt County, IL HUD Metro FMR Area$86,850$114,650
Decatur, IL MSA$86,850$114,650
DeKalb County, IL HUD Metro FMR Area$89,000$117,500
Douglas County, IL$86,850$114,650
Edgar County, IL$86,850$114,650
Edwards County, IL$86,850$114,650
Effingham County, IL$86,850$114,650
Fayette County, IL$86,850$114,650
Franklin County, IL$86,850$114,650
Fulton County, IL$86,850$114,650
Gallatin County, IL$86,850$114,650
Greene County, IL$86,850$114,650
Grundy County, IL HUD Metro FMR Area$98,100$129,500
Hamilton County, IL$86,850$114,650
Hancock County, IL$86,850$114,650
Hardin County, IL$86,850$114,650
Henderson County, IL$86,850$114,650
Iroquois County, IL$86,850$114,650
Jackson County, IL HUD Metro FMR Area$86,850$114,650
Jasper County, IL$86,850$114,650
Jefferson County, IL$86,850$114,650
Jo Daviess County, IL$86,950$114,750
Johnson County, IL$86,850$114,650
Kankakee, IL MSA$86,850$114,650
Kendall County, IL HUD Metro FMR Area$108,550$143,300
Knox County, IL$86,850$114,650
La Salle County, IL$86,850$114,650
Lawrence County, IL$86,850$114,650
Lee County, IL$86,850$114,650
Livingston County, IL$86,850$114,650
Logan County, IL$86,850$114,650
Macoupin County, IL HUD Metro FMR Area$86,850$114,650
Marion County, IL$86,850$114,650
Mason County, IL$86,850$114,650
Massac County, IL$86,850$114,650
McDonough County, IL$86,850$114,650
Montgomery County, IL$86,850$114,650
Morgan County, IL$86,850$114,650
Moultrie County, IL$86,850$114,650
Ogle County, IL$86,850$114,650
Peoria, IL MSA$88,400$116,700
Perry County, IL$86,850$114,650
Pike County, IL$86,850$114,650
Pope County, IL$86,850$114,650
Pulaski County, IL$86,850$114,650
Putnam County, IL$96,750$127,700
Randolph County, IL$86,850$114,650
Richland County, IL$86,850$114,650
Rockford, IL MSA$86,850$114,650
Saline County, IL$86,850$114,650
Schuyler County, IL$86,850$114,650
Scott County, IL$86,850$114,650
Shelby County, IL$86,850$114,650
Springfield, IL MSA$90,300$119,200
St. Louis, MO-IL HUD Metro FMR Area$93,500$123,400
Stephenson County, IL$86,850$114,650
Union County, IL$86,850$114,650
Wabash County, IL$86,850$114,650
Warren County, IL$86,850$114,650
Washington County, IL$86,850$114,650
Wayne County, IL$86,850$114,650
White County, IL$86,850$114,650
Whiteside County, IL$86,850$114,650
Williamson County, IL HUD Metro FMR Area$86,850$114,650
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