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$76,050$100,400
Alexander County, IL SEA$76,050$100,400
Bloomington, IL HUD Metro FMR Area$94,600$124,850
Bond County, IL HUD Metro FMR Area$76,050$100,400
Brown County, IL$76,050$100,400
Bureau County, IL$76,050$100,400
Carroll County, IL$76,050$100,400
Cass County, IL$76,050$100,400
Champaign-Urbana, IL MSA$82,650$109,100
Chicago-Joliet-Naperville, IL HUD Metro FMR Area$88,400$116,700
Christian County, IL$76,050$100,400
Clark County, IL$76,050$100,400
Clay County, IL$76,050$100,400
Coles County, IL$76,050$100,400
Crawford County, IL$76,050$100,400
Cumberland County, IL$76,050$100,400
Danville, IL MSA$76,050$100,400
Davenport-Moline-Rock Island, IA-IL MSA$79,150$104,500
De Witt County, IL HUD Metro FMR Area$76,050$100,400
Decatur, IL MSA$76,050$100,400
DeKalb County, IL HUD Metro FMR Area$86,250$113,850
Douglas County, IL$77,650$102,500
Edgar County, IL$76,050$100,400
Edwards County, IL$76,050$100,400
Effingham County, IL$77,200$101,900
Fayette County, IL$76,050$100,400
Franklin County, IL$76,050$100,400
Fulton County, IL$76,050$100,400
Gallatin County, IL$76,050$100,400
Greene County, IL$76,050$100,400
Grundy County, IL HUD Metro FMR Area$93,500$123,400
Hamilton County, IL$76,050$100,400
Hancock County, IL$76,050$100,400
Hardin County, IL$76,050$100,400
Henderson County, IL$76,050$100,400
Iroquois County, IL$76,050$100,400
Jackson County, IL HUD Metro FMR Area$76,050$100,400
Jasper County, IL$76,050$100,400
Jefferson County, IL$76,050$100,400
Jo Daviess County, IL$76,050$100,400
Johnson County, IL$76,050$100,400
Kankakee, IL MSA$76,050$100,400
Kendall County, IL HUD Metro FMR Area$94,600$124,850
Knox County, IL$76,050$100,400
La Salle County, IL$76,050$100,400
Lawrence County, IL$76,050$100,400
Lee County, IL$76,900$101,500
Livingston County, IL$78,050$103,050
Logan County, IL$78,550$103,700
Macoupin County, IL HUD Metro FMR Area$76,050$100,400
Marion County, IL$76,050$100,400
Mason County, IL$76,050$100,400
Massac County, IL$76,050$100,400
McDonough County, IL$76,050$100,400
Montgomery County, IL$76,050$100,400
Morgan County, IL$76,050$100,400
Moultrie County, IL$76,050$100,400
Ogle County, IL$81,650$107,800
Peoria, IL MSA$79,950$105,550
Perry County, IL$76,050$100,400
Pike County, IL$76,050$100,400
Pope County, IL$76,050$100,400
Pulaski County, IL$76,050$100,400
Putnam County, IL$84,150$111,100
Randolph County, IL$76,050$100,400
Richland County, IL$76,050$100,400
Rockford, IL MSA$76,050$100,400
Saline County, IL$76,050$100,400
Schuyler County, IL$76,050$100,400
Scott County, IL$76,100$100,450
Shelby County, IL$76,050$100,400
Springfield, IL MSA$84,750$111,850
St. Louis, MO-IL HUD Metro FMR Area$80,950$106,850
Stephenson County, IL$76,050$100,400
Union County, IL$76,050$100,400
Wabash County, IL$76,050$100,400
Warren County, IL$76,050$100,400
Washington County, IL$80,050$105,650
Wayne County, IL$76,050$100,400
White County, IL$76,050$100,400
Whiteside County, IL$76,050$100,400
Williamson County, IL HUD Metro FMR Area$76,050$100,400
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