With help from the United States Department of Agriculture, home buying in Illinois just got a little bit easier. Residents from all over the Prairie State, from Rockford to Carbondale, are discovering the advantages that a USDA Loan offers.

Illinois USDA Loans offer:

  • 100% Financed Mortgage, No Money Down,
  • No Monthly Mortgage Insurance for Illinois Residents
  • No Loan Amount Limitations
  • Available for Many Types of Illinois Homes

Illinois Areas that Qualify for a USDA Loan

Yes, major metropolitan areas do not qualify for USDA loans. But this does not mean that you should assume that the property you are considering purchasing is not USDA loan eligible.  In fact, you will probably be surprised at the number of Illinois areas that do qualify – some of which lie just outside of major cities.

Designed to stimulate growth in small or rural communities, Illinois areas that are eligible for a USDA Loan include:

  • Communities located outside of city limits
  • Communities with less than 20,000 people
Never assume that your area does not qualify for a USDA Loan.  The experts here at Consumer Real Estate Finance Co. are here to help, fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Illinois’s USDA Loan Income Limits by County

While applying for a Rural Development Loan with Consumer Real Estate Finance Co. is fast and easy, there are a few eligibility restrictions: These can include property location and credit history evaluation.

In addition to the above Illinois USDA Home Loan restrictions, eligibility is also determined by income limits. Your yearly income cannot exceed the limit set for your county:

STATE:ILLINIOS PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Bloomington-Normal IL MSA VERY LOW INCOME 29500 33700 37900 42100 45500 48850 52250 55600
LOW INCOME 45100 51500 57950 64400 69550 74700 79850 85000
MOD.INC-GUAR.LOAN 92600 92600 92600 92600 122250 122250 122250 122250
Champaign-Urbana IL MSA VERY LOW INCOME 25000 28600 32150 35700 38600 41450 44300 47150
LOW INCOME 39950 45700 51400 57100 61650 66250 70800 75350
MOD.INC-GUAR.LOAN 82100 82100 82100 82100 108350 108350 108350 108350
DeKalb County IL HUD Metro FMR Area VERY LOW INCOME 26250 30000 33750 37500 40500 43500 46500 49500
LOW INCOME 42000 48000 54000 60000 64800 69600 74400 79200
MOD.INC-GUAR.LOAN 86250 86250 86250 86250 113850 113850 113850 113850
Grundy County IL HUD Metro FMR Area VERY LOW INCOME 28000 32000 36000 39950 43150 46350 49550 52750
LOW INCOME 44750 51100 57500 63900 69000 74100 79250 84350
MOD.INC-GUAR.LOAN 91850 91850 91850 91850 121250 121250 121250 121250
Kendall County IL HUD VERY LOW INCOME 33100 37800 42550 47250 51050 54850 58600 62400
LOW INCOME 45500 52000 58500 65000 70200 75400 80600 85800
MOD.INC-GUAR.LOAN 93450 93450 93450 93450 123350 123350 123350 123350
Danville IL MSA VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Davenport-Moline-Rock Island IA-IL MSA VERY LOW INCOME 22750 26000 29250 32500 35100 37700 40300 42900
LOW INCOME 36400 41600 46800 52000 56150 60300 64500 68650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Decatur IL MSA VERY LOW INCOME 21150 24150 27150 30150 32600 35000 37400 39800
LOW INCOME 33800 38600 43450 48250 52100 55950 59850 63700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Kankakee-Bradley IL MSA VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 75100 75100 75100 75100 99150 99150 99150 99150
Peoria IL MSA VERY LOW INCOME 24200 27650 31100 34550 37350 40100 42850 45650
LOW INCOME 38700 44250 49750 55300 59700 64150 68550 73000
MOD.INC-GUAR.LOAN 79500 79500 79500 79500 104950 104950 104950 104950
Rockford IL MSA VERY LOW INCOME 22550 25750 28950 32150 34750 37300 39900 42450
LOW INCOME 36000 41150 46300 51450 55550 59700 63800 67900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Springfield IL MSA VERY LOW INCOME 24500 28000 31500 35000 37800 40600 43400 46200
LOW INCOME 39200 44800 50400 56000 60500 64950 69450 73900
MOD.INC-GUAR.LOAN 80500 80500 80500 80500 106250 106250 106250 106250
Bond County IL HUD Metro FMR Area VERY LOW INCOME 22650 25850 29100 32300 34900 37500 40100 42650
LOW INCOME 36200 41350 46550 51700 55850 59950 64100 68250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Macoupin County IL HUD Metro FMR Area VERY LOW INCOME 22250 25400 28600 31750 34300 36850 39400 41950
LOW INCOME 35550 40650 45700 50800 54850 58950 63000 67050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
St. Louis MO-IL HUD Metro FMR Area VERY LOW INCOME 24650 28200 31700 35200 38050 40850 43650 46500
LOW INCOME 39400 45050 50650 56300 60800 65300 69800 74300
MOD.INC-GUAR.LOAN 80950 80950 80950 80950 106850 106850 106850 106850
Adams County IL VERY LOW INCOME 20800 23800 26750 29700 32100 34500 36850 39250
LOW INCOME 33250 38000 42750 47500 51300 55100 58900 62700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Brown County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Bureau County IL VERY LOW INCOME 21150 24200 27200 30200 32650 35050 37450 39900
LOW INCOME 33800 38650 43450 48300 52150 56050 59900 63750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Carroll County IL VERY LOW INCOME 20600 23550 26500 29400 31800 34150 36500 38850
LOW INCOME 32950 37650 42350 47050 50800 54600 58350 62100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Cass County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Christian County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clark County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Clay County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Coles County IL VERY LOW INCOME 21000 24000 27000 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Crawford County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Cumberland County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
De Witt County IL VERY LOW INCOME 22650 25900 29100 32350 34950 37550 40100 42700
LOW INCOME 36250 41400 46600 51750 55900 60050 64200 68300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Douglas County IL VERY LOW INCOME 22550 25750 28950 32150 34750 37300 39900 42450
LOW INCOME 36000 41150 46300 51450 55550 59700 63800 67900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Edgar County IL VERY LOW INCOME 20650 23600 26550 29500 31900 34250 36600 38950
LOW INCOME 33050 37750 42500 47200 51000 54750 58550 62300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Edwards County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Effingham County IL VERY LOW INCOME 22900 26200 29450 32700 35350 37950 40550 43200
LOW INCOME 36600 41850 47050 52300 56500 60650 64850 69050
MOD.INC-GUAR.LOAN 75200 75200 75200 75200 99250 99250 99250 99250
Fayette County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Franklin County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Fulton County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Gallatin County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Greene County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hamilton County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hancock County IL VERY LOW INCOME 20850 23800 26800 29750 32150 34550 36900 39300
LOW INCOME 33300 38100 42850 47600 51400 55200 59000 62850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hardin County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Henderson County IL VERY LOW INCOME 21550 24600 27700 30750 33250 35700 38150 40600
LOW INCOME 34450 39350 44300 49200 53150 57050 61000 64950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Iroquois County IL VERY LOW INCOME 21250 24300 27350 30350 32800 35250 37650 40100
LOW INCOME 34000 38850 43700 48550 52450 56300 60200 64100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jackson County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jasper County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jefferson County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jo Daviess County IL VERY LOW INCOME 22900 26150 29400 32650 35300 37900 40500 43100
LOW INCOME 36600 41800 47050 52250 56450 60600 64800 68950
MOD.INC-GUAR.LOAN 75100 75100 75100 75100 99150 99150 99150 99150
Johnson County IL VERY LOW INCOME 21800 24900 28050 31150 33650 36150 38650 41100
LOW INCOME 34900 39900 44850 49850 53850 57850 61800 65800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Knox County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
La Salle County IL VERY LOW INCOME 23100 26400 29700 33000 35650 38300 40950 43600
LOW INCOME 36950 42250 47500 52800 57000 61250 65450 69700
MOD.INC-GUAR.LOAN 75900 75900 75900 75900 100200 100200 100200 100200
Lawrence County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lee County IL VERY LOW INCOME 23450 26800 30150 33450 36150 38850 41500 44200
LOW INCOME 37450 42800 48150 53500 57800 62050 66350 70600
MOD.INC-GUAR.LOAN 76900 76900 76900 76900 101500 101500 101500 101500
Livingston County IL VERY LOW INCOME 22850 26100 29350 32600 35250 37850 40450 43050
LOW INCOME 36500 41700 46950 52150 56300 60500 64650 68850
MOD.INC-GUAR.LOAN 74950 74950 74950 74950 98950 98950 98950 98950
Logan County IL VERY LOW INCOME 23950 27350 30750 34150 36900 39650 42350 45100
LOW INCOME 38250 43700 49200 54650 59000 63400 67750 72150
MOD.INC-GUAR.LOAN 78550 78550 78550 78550 103700 103700 103700 103700
Marion County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Mason County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Massac County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
McDonough CountyIL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Montgomery County IL VERY LOW INCOME 21250 24300 27350 30350 32800 35250 37650 40100
LOW INCOME 34000 38850 43700 48550 52450 56300 60200 64100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Morgan County IL VERY LOW INCOME 22050 25200 28350 31450 34000 36500 39000 41550
LOW INCOME 35200 40250 45250 50300 54300 58350 62350 66400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Moultrie County IL VERY LOW INCOME 20450 23400 26300 29200 31550 33900 36250 38550
LOW INCOME 32700 37350 42050 46700 50450 54150 57900 61650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Ogle County IL VERY LOW INCOME 24400 27900 31400 34850 37650 40450 43250 46050
LOW INCOME 39050 44600 50200 55750 60200 64650 69150 73600
MOD.INC-GUAR.LOAN 80150 80150 80150 80150 105800 105800 105800 105800
Perry County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pike County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pope County IL VERY LOW INCOME 20650 23600 26550 29500 31900 34250 36600 38950
LOW INCOME 33050 37750 42500 47200 51000 54750 58550 62300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pulaski County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Putnam County IL VERY LOW INCOME 25650 29300 32950 36600 39550 42500 45400 48350
LOW INCOME 41000 46850 52700 58550 63250 67900 72600 77300
MOD.INC-GUAR.LOAN 84150 84150 84150 84150 111100 111100 111100 111100
Randolph County IL VERY LOW INCOME 21500 24600 27650 30700 33200 35650 38100 40550
LOW INCOME 34350 39300 44200 49100 53050 56950 60900 64800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Richland County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Saline County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Schuyler County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Scott County IL VERY LOW INCOME 23200 26500 29800 33100 35750 38400 41050 43700
LOW INCOME 37050 42350 47650 52950 57200 61400 65650 69900
MOD.INC-GUAR.LOAN 76100 76100 76100 76100 100450 100450 100450 100450
Shelby County IL VERY LOW INCOME 21000 24000 27000 30000 32400 34800 37200 39600
LOW INCOME 33600 38400 43200 48000 51850 55700 59500 63350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Stephenson CountyIL VERY LOW INCOME 20950 23950 26950 29950 32350 34750 37150 39550
LOW INCOME 33550 38300 43100 47900 51750 55550 59400 63250
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Union County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wabash County IL VERY LOW INCOME 21050 24050 27050 30050 32500 34900 37300 39700
LOW INCOME 33650 38500 43300 48100 51950 55800 59650 63500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Warren County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Washington CountyIL VERY LOW INCOME 23900 27300 30700 34100 36850 39600 42300 45050
LOW INCOME 38200 43650 49100 54550 58900 63300 67650 72000
MOD.INC-GUAR.LOAN 78400 78400 78400 78400 103500 103500 103500 103500
Wayne County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
White County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Whiteside County IL VERY LOW INCOME 20450 23350 26250 29150 31500 33850 36150 38500
LOW INCOME 32650 37300 42000 46650 50400 54100 57850 61600
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Williamson County IL VERY LOW INCOME 21100 24100 27100 30100 32550 34950 37350 39750
LOW INCOME 33700 38500 43350 48150 52000 55850 59700 63550
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

 

Because of these sometimes detailed and overwhelming guidelines, Consumer Real Estate Finance Co. is here to guide you through the application process. Contact us today for details or to get started with your Illinois USDA Loan application.