Income and Purchase Price Limits
Visit the Document Library for historical limits.
Effective on reservations dated
09/01/2025
and after.
Help Using These Limits
Look Up Targeted Areas
How to Use These Limits
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The property is NOT located in a Targeted area and...
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The income and purchase price is less than or equal to the "Non-Targeted Income" and "Non-Targeted Purchase Price" limit for the respective county.
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The property IS located in a Targeted area and...
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The income and purchase price is less than or equal to the "Targeted Income" or "Targeted Purchase Price" limit for the respective county.
Lenders should not use any of these limits to determine discounted PMI coverage eligibility, which will be dictated by FNMA/FHLMC's own limits against the qualifying income as entered in AUS.
The income amount IHDA uses to determine eligibility may vary from the amount used in AUS as it uses different calculation methods. Lenders should always complete the IHDA Income Calculator (posted in the document library) to determine eligibility prior to reserving funds.
Targeted Area Lookup
The federal government has designated certain areas as “targeted areas” where more homeownership is desired. If you have clients interested in buying a home in these areas, there are typically more assistance programs available. They don’t need to be a first-time homebuyer. Income and Purchase Price limits in targeted areas are also higher, which could open the door for additional buyers to qualify.
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To determine if a particular property is located in a targeted area, please use the targeted area look-up map below. Simply enter the property address and the tool will identify the property’s location on the map with a dot (that may vary in color based on your device). If the property falls in a blue-shaded area, it is located in a targeted area. If the property falls in a green-shaded area, it is NOT in a targeted area.
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Use the map below to find targeted areas in Illinois. For mobile users, use this link to make the map larger in a new window.
ERROR MESSAGE
Search for a county or select one from the dropdown menu to view all income and purchase price limits that county.
For an explanation of the various limits, click here.
<COUNTY>
Maximum Income (Non Targeted)
$000,000.00
2-Unit Properties
1-Unit Property
Maximum Purchase Price (Non Targeted)
$000,000.00
$000,000.00
Maximum Income (Targeted)
$000,000.00
No targeted areas exist for this county.
AccessHome Maximum Income
No targeted areas exist for this county.
$000,000.00
1-2 Person Household
$000,000.00
3+ Person Household
Targeted
Non-Targeted
$000,000.00
1-2 Person Household
$000,000.00
3+ Person Household
Maximum Purchase Price (Targeted)
$000,000.00
1-Unit Property
$000,000.00
2-Unit Properties
No targeted areas exist for this county.
AccessHome Maximum Purchase Price
Non-Targeted
$000,000.00
1-Unit Property
$000,000.00
2-Unit Properties
$000,000.00
1-Unit Property
$000,000.00
2-Unit Properties
Targeted
No targeted areas exist for this county.
Non-Targeted Income Limits
SUBJECT PROPERTY COUNTY
MAXIMUM INCOME LIMIT
*All Other Counties
Cook, Kane, Lake, Will
McLean
Cook, DuPage, Kane, Lake, McHenry, Will
Grundy, McLean
Menard, Sangamon
Calhoun, Clinton, Jersey, Madison, Monroe, St. Clair
Sangamon
All Other Counties
Madison, St. Clair
Kendall
Non-Targeted Purchase Price Limits
SUBJECT PROPERTY COUNTY
MAXIMUM PURCHASE PRICE
*All Other Counties
ONE UNIT
TWO UNITS
Cook, Kane, Lake, Will
ONE UNIT
TWO UNITS
McLean
ONE UNIT
TWO UNITS
Cook, DuPage, Kane, Lake, McHenry, Will
ONE UNIT
TWO UNITS
Grundy, McLean
ONE UNIT
TWO UNITS
ONE UNIT
TWO UNITS
Menard, Sangamon
ONE UNIT
TWO UNITS
Calhoun, Clinton, Jersey, Madison, Monroe, St. Clair
ONE UNIT
TWO UNITS
Sangamon
ONE UNIT
TWO UNITS
All Other Counties
ONE UNIT
TWO UNITS
Madison, St. Clair
ONE UNIT
TWO UNITS
Kendall
ONE UNIT
TWO UNITS
Targeted Income Limits
SUBJECT PROPERTY COUNTY
MAXIMUM INCOME LIMIT
*All Other Counties
Cook, Kane, Lake, Will
McLean
Cook, DuPage, Kane, Lake, McHenry, Will
Grundy, McLean
Menard, Sangamon
Calhoun, Clinton, Jersey, Madison, Monroe, St. Clair
Sangamon
All Other Counties
Madison, St. Clair
Kendall
Targeted Purchase Price Limits
SUBJECT PROPERTY COUNTY
MAXIMUM PURCHASE PRICE
*All Other Counties
ONE UNIT
TWO UNITS
Cook, Kane, Lake, Will
ONE UNIT
TWO UNITS
McLean
ONE UNIT
TWO UNITS
Cook, DuPage, Kane, Lake, McHenry, Will
ONE UNIT
TWO UNITS
Grundy, McLean
ONE UNIT
TWO UNITS
ONE UNIT
TWO UNITS
Menard, Sangamon
ONE UNIT
TWO UNITS
Calhoun, Clinton, Jersey, Madison, Monroe, St. Clair
ONE UNIT
TWO UNITS
Sangamon
ONE UNIT
TWO UNITS
All Other Counties
ONE UNIT
TWO UNITS
Madison, St. Clair
ONE UNIT
TWO UNITS
Kendall
ONE UNIT
TWO UNITS
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Some of these limits have been determined by a Private Letter Ruling issued by the IRS to the Authority.
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The purchase price and income limit tables contained on this page are provided solely for use in connection with the Authority’s IHDA Mortgage Programs. These tables may not be used in connection with any other bond programs or any mortgage, lending, or financing programs offered, administered, sponsored, or facilitated by any lender, bank, financial institution, governmental entity, or other organization other than the Illinois Housing Development Authority, or for any purpose not expressly described herein.
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The IHDAccess income and purchase price limits apply solely to the IHDAccess Home Program. These limits may not used to determine eligibility for any other program.
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*Non-Targeted Limits (All Other Counties): All other counties includes the following eighty-five (85) counties: Adams, Alexander, Bond, Boone, Brown, Bureau, Carroll, Cass, Champaign, Christian, Clark, Clay, Coles, Crawford, Cumberland, De Witt, DeKalb, Douglas, Edgar, Edwards, Effingham, Fayette, Ford, Franklin, Fulton, Gallatin, Greene, Hamilton, Hancock, Hardin, Henderson, Henry, Iroquois, Jackson, Jasper, Jefferson, Jo Daviess, Johnson, Kankakee, Knox, La Salle, Lawrence, Lee, Livingston, Logan, Macon, Macoupin, Marion, Marshall, Mason, Massac, McDonough, Mercer, Montgomery, Morgan, Moultrie, Ogle, Peoria, Perry, Piatt, Pike, Pope, Pulaski, Putnam, Randolph, Richland, Rock Island, Saline, Schuyler, Scott, Shelby, Stark, Stephenson, Tazewell, Union, Vermillion, Wabash, Warren, Washington, Wayne, White, Whiteside, Williamson, Winnebago, Woodford.
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**Targeted Limits (All Other Counties): All other counties includes the following twenty-six (26) counties: Adams, Alexander, Champaign, Christian, Coles, De Kalb, Fayette, Franklin, Jackson, Jefferson, Kankakee, Knox, Livingston, Macon, McDonough, Morgan, Peoria, Richland, Rock Island, Saline, Stephenson, Vermillion, White, Whiteside, Williamson, Winnebago.