How to Use These Limits
Non-Targeted Income Limits Apply When​.....
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The property is NOT located in a targeted area and...
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The total income is less than or equal to the "Non-Targeted Income" limit for the respective county and...
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The total income exceeds the "Below 80% AMI" limit for the respective county.
Targeted Income Limits Apply When​.....
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The property IS located in a targeted area and...
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The total income is less than or equal to the "Targeted Income" limit for the respective county and...
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The total income exceeds the "Below 80% AMI" limit for the respective county.
Below 80% AMI Income Limits Apply When​.....
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The total income is less than or equal to the "Below 80% AMI" 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.
Non-Targeted Income Limits
SUBJECT PROPERTY COUNTY
MAXIMUM INCOME LIMIT
Cook, DuPage, Kane, Lake, McHenry, McLean, Will
$132,360.00
Grundy
$123,960.00
Kendall
$136,920.00
All Other Counties*
$122,280.00
Non-Targeted Purchase Price Limits
SUBJECT PROPERTY COUNTY
MAXIMUM PURCHASE PRICE
Cook, DuPage, Kane, Lake, McHenry, McLean, Will
$581,176.00
ONE UNIT
$716,111.00
TWO UNITS
Grundy
$581,176.00
ONE UNIT
$716,111.00
TWO UNITS
Kendall
$581,176.00
ONE UNIT
$716,111.00
TWO UNITS
All Other Counties*
$581,176.00
ONE UNIT
$716,111.00
TWO UNITS
Targeted Income Limits
SUBJECT PROPERTY COUNTY
MAXIMUM INCOME LIMIT
Cook, Kane, Lake, McLean, Will
$132,360.00
All Other Counties**
$122,280.00
Targeted Purchase Price Limits
SUBJECT PROPERTY COUNTY
MAXIMUM PURCHASE PRICE
Cook, Kane, Lake, McLean, Will
$688,104.00
ONE UNIT
$853,024.00
TWO UNITS
All Other Counties**
$688,104.00
ONE UNIT
$853,024.00
TWO UNITS
Below 80% AMI Maximum Income Limits
SUBJECT PROPERTY COUNTY
Adams / Moultrie
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$50,800.00
$63,500.00
$73,700.00
$83,850.00
$44,450.00
$57,150.00
$68,600.00
$78,750.00
Alexander
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$45,600.00
$56,950.00
$66,100.00
$75,200.00
$39,900.00
$51,300.00
$61,550.00
$70,650.00
Bond
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$54,000.00
$67,450.00
$78,250.00
$89,050.00
$47,250.00
$60,750.00
$72,850.00
$83,650.00
Boone / Winnebago
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$51,550.00
$64,400.00
$74,750.00
$85,050.00
$45,100.00
$58,000.00
$69,600.00
$79,900.00
Brown
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$56,900.00
$71,100.00
$82,500.00
$93,900.00
$49,800.00
$64,000.00
$76,800.00
$88,200.00
Bureau / Cumberland
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$50,250.00
$62,800.00
$72,850.00
$82,900.00
$44,000.00
$56,550.00
$67,850.00
$77,900.00
Calhoun / Clinton / Jersey / Madison / Monroe / St. Clair
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$60,750.00
$75,900.00
$88,050.00
$100,200.00
$53,150.00
$68,350.00
$82,000.00
$94,150.00
Carroll / Douglas / Iroquois / Jasper / Macoupin/ Whiteside
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$48,750.00
$60,900.00
$70,650.00
$80,400.00
$42,650.00
$54,850.00
$65,800.00
$75,550.00
Champaign / Piatt
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$58,450.00
$73,050.00
$84,750.00
$96,450.00
$51,150.00
$65,750.00
$78,900.00
$90,600.00
Cook / Du Page / Kane / Lake / McHenry / McLean / Will
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$66,700.00
$83,350.00
$96,700.00
$110,050.00
$58,350.00
$75,050.00
$90,050.00
$103,400.00
De Witt
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$49,400.00
$61,700.00
$71,600.00
$81,450.00
$43,200.00
$55,550.00
$66,650.00
$76,550.00
DeKalb
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$62,000.00
$77,450.00
$89,850.00
$102,250.00
$54,250.00
$69,750.00
$83,650.00
$96,050.00
Edwards
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$48,800.00
$61,000.00
$70,800.00
$80,550.00
$42,700.00
$54,900.00
$65,900.00
$75,650.00
Effingham
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$52,100.00
$65,100.00
$75,550.00
$85,950.00
$45,600.00
$58,600.00
$70,350.00
$80,750.00
Ford
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$52,600.00
$65,700.00
$76,250.00
$86,750.00
$46,000.00
$59,150.00
$71,000.00
$81,500.00
Grundy
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$62,500.00
$78,100.00
$90,600.00
$103,100.00
$54,700.00
$70,300.00
$84,350.00
$96,850.00
Henry / Marshall / Mercer / Peoria / Rock Island / Stark / Tazewell / Woodford
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$54,600.00
$68,250.00
$79,200.00
$90,100.00
$47,800.00
$61,450.00
$73,750.00
$84,650.00
Jo Daviess / Kankakee / Ogle
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$53,350.00
$66,650.00
$77,350.00
$88,000.00
$46,700.00
$60,000.00
$72,000.00
$82,650.00
Kendall
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$71,550.00
$89,400.00
$103,750.00
$118,050.00
$62,600.00
$80,500.00
$96,600.00
$110,900.00
La Salle
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$49,600.00
$62,000.00
$71,950.00
$81,850.00
$43,400.00
$55,800.00
$67,000.00
$76,900.00
Lee
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$53,850.00
$67,300.00
$78,100.00
$88,850.00
$47,150.00
$60,600.00
$72,700.00
$83,500.00
Livingston
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$50,600.00
$63,200.00
$73,350.00
$83,450.00
$44,250.00
$56,900.00
$68,300.00
$78,400.00
Logan
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$53,000.00
$66,250.00
$76,850.00
$87,450.00
$46,400.00
$59,650.00
$71,550.00
$82,150.00
Macon
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$49,200.00
$61,450.00
$71,300.00
$81,150.00
$43,050.00
$55,350.00
$66,400.00
$76,200.00
McDonough
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$50,150.00
$62,650.00
$72,700.00
$82,700.00
$43,900.00
$56,400.00
$67,700.00
$77,700.00
Menard / Sangamon
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$61,050.00
$76,300.00
$88,550.00
$100,750.00
$53,450.00
$68,700.00
$82,450.00
$94,650.00
Putnam
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$55,150.00
$68,900.00
$79,950.00
$90,950.00
$48,250.00
$62,050.00
$74,450.00
$85,450.00
Randolph
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$49,200.00
$61,500.00
$71,350.00
$81,200.00
$43,050.00
$55,350.00
$66,450.00
$76,300.00
Scott
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$49,800.00
$62,250.00
$72,250.00
$82,200.00
$43,600.00
$56,050.00
$67,250.00
$77,200.00
Wabash
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$50,400.00
$62,950.00
$73,050.00
$83,100.00
$44,100.00
$56,700.00
$68,000.00
$78,100.00
Washington
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$55,800.00
$69,750.00
$80,950.00
$92,100.00
$48,850.00
$62,800.00
$75,350.00
$86,500.00
Williamson
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$49,700.00
$62,100.00
$72,050.00
$82,000.00
$43,500.00
$55,900.00
$67,100.00
$77,050.00
*All other counties
TOTAL HOUSEHOLD MEMBERS
1
2
3
4
5
6
7
8+
$48,600.00
$60,700.00
$70,450.00
$80,150.00
$42,500.00
$54,650.00
$65,600.00
$75,300.00
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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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These limits may be used only in connection with the Authority’s IHDA Mortgage Programs.
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Use of these limits in connection with other Bond Programs is prohibited.
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*Non-Targeted Limits (All Other Counties): All other counties includes the following ninety-three (93) counties: Adams, Alexander, Bond, Boone, Brown, Bureau, Calhoun, Carroll, Cass, Champaign, Christian, Clark, Clay, Clinton, 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, Jersey, Jo Daviess, Johnson, Kankakee, Knox, La Salle, Lawrence, Lee, Livingston, Logan, Macon, Macoupin, Madison, Marion, Marshall, Mason, Massac, McDonough, Menard, Mercer, Montgomery, Monroe, Morgan, Moultrie, Ogle, Peoria, Perry, Piatt, Pike, Pope, Pulaski, Putnam, Randolph, Richland, Rock Island, Saline, Sangamon, Schuyler, Scott, Shelby, St. Clair, 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 thirty (30) counties: Adams, Alexander, Champaign, Christian, Coles, De Kalb, Fayette, Franklin, Jackson, Jefferson, Kankakee, Knox, Livingston, Macon, Madison, Marion, McDonough, Morgan, Peoria, Richland, Rock Island, Saline, St. Clair, Sangamon, Stephenson, Vermillion, White, Whiteside, Williamson, Winnebago