Dan Green (NMLS 227607) is a licensed mortgage professional who has helped millions of people achieve their American Dream of homeownership. Dan has developed dozens of tools, written thousands of mortgage articles, and recorded hundreds of educational videos. Read more about Dan Green.
This website discusses mortgage programs and how to qualify. Your eligibility may vary based on lender guidelines and investor overlays. Check with your lender for specific details.
This article was checked for accuracy as of
December 2, 2024. Learn more about our
commitments to accuracy and your mortgage education in our editorial guidelines.
Published: December 2, 2024
2025 Conventional and FHA Mortgage Loan Limits for Cook County, Illinois
Conforming Loans
FHA Loans
Property Type
2025 Loan Limit
1-Unit Homes
$806,500
2-Unit Homes
$1,032,650
3-Unit Homes
$1,248,150
4-Unit Homes
$1,551,250
Property Type
2025 Loan Limit
1-Unit Homes
$524,225
2-Unit Homes
$671,200
3-Unit Homes
$811,275
4-Unit Homes
$1,008,300
Source: Federal Housing Finance Agency; Federal Housing Administration
Cook County, Illinois, mortgage loan limits apply in:
Cook County 2025 mortgage loan limits include the following cities: Alsip, Arlington Heights, Barrington (Township), Bedford Park, Bellwood, Berkeley, Berwyn, Berwyn (Township), Bloom, Blue Island, Bremen, Bridgeview, Broadview, Brookfield, Burbank, Burnham, Calumet, Calumet City, Calumet Park, Chicago Heights, Chicago Ridge, Cicero, Cicero (Township), Country Club Hills, Countryside, Crestwood, Des Plaines, Dixmoor, Dolton, East Hazel Crest, Elk Grove, Elmwood Park, Evanston, Evergreen Park, Flossmoor, Ford Heights, Forest Park, Forest View, Franklin Park, Glencoe, Glenview, Glenwood, Golf, Hanover, Harvey, Harwood Heights, Hazel Crest, Hickory Hills, Hillside, Hodgkins, Hometown, Homewood, Indian Head Park, Inverness, Justice, Kenilworth, La Grange, La Grange Park, Lansing, Lemont (Township), Leyden, Lincolnwood, Lynwood, Lyons, Lyons (Township), Maine, Markham, Matteson, Maywood, McCook, Melrose Park, Merrionette Park, Midlothian, Morton Grove, Mount Prospect, New Trier, Niles, Niles (Township), Norridge, Northbrook, Northfield, Northfield (Township), Northlake, North Riverside, Norwood Park, Oak Forest, Oak Lawn, Oak Park, Oak Park (Township), Olympia Fields, Orland, Orland Hills, Palatine, Palatine (Township), Palos, Palos Heights, Palos Hills, Palos Park, Park Ridge, Phoenix, Posen, Prospect Heights, Proviso, Rich, Richton Park, Riverdale, River Forest, River Forest (Township), River Grove, Riverside, Riverside (Township), Robbins, Rolling Meadows, Rosemont, Sauk Village, Schaumburg (Township), Schiller Park, Skokie, South Barrington, South Chicago Heights, South Holland, Stickney, Stickney (Township), Stone Park, Streamwood, Summit, Thornton, Thornton (Township), Westchester, Western Springs, Wheeling (Township), Willow Springs, Wilmette, Winnetka, Worth, Worth (Township)
2025 Mortgage Loan Limits - Conforming, FHA, and High-Cost Area
Video Length: 06:51
Historical Charts: Mortgage Loan Limits in Cook County, Illinois
Cook County mortgage loan limits adjust annually to match changes in the FHFA House Price Index.
Conforming Loans
FHA Loans
Mortgage Statistics from Cook County, Illinois
Cook County mortgage statistics are sourced from the FFIEC, which collects anonymous HMDA mortgage data from U.S. mortgage applications.
Mortgages
Total
Purchase Mortgages (2018-2023)
279,581
Loan Type
Relative Share
Conventional
79.04%
FHA
18.20%
VA
2.76%
USDA
0.00%
Property Type
Relative Share
1-Unit Homes
93.41%
2-Unit Homes
4.99%
3-Unit Homes
1.12%
4-Unit Homes
0.49%
Borrower Status
Relative Share
One Applicant
62.82%
Two or More Applicants
37.18%
Gender
Relative Share
Male
35.78%
Female
28.76%
Joint Sex
30.62%
Not Available
4.83%
Race
Relative Share
American Indian / Alaska Native
0.38%
Asian
9.06%
Black / African American
13.20%
Native Hawaiian / Other Pacific Islander
0.09%
White
61.84%
Mixed Race
2.50%
Other Race
12.93%
Ethnicity
Relative Share
Hispanic or Latino
17.92%
Not Hispanic or Latino
68.76%
Joint Ethnicity
2.40%
Other Ethnicity
10.92%
Cook County data represents closed-end, first-lien purchase mortgages for 1-4 unit residential properties since 2018. Source: FFIEC Home Mortgage Disclosure Act
Mortgage Loan Limits Near Cook County, Illinois
2025 conforming and FHA mortgage loan limits for for the areas surrounding Cook County, Illinois. Local loan limits and county-level mortgage data updated regularly.
Get a personalized mortgage quote and check your eligibility for first-time home buyer programs now. Eligible home buyers can be pre-approved in as little as 3 minutes.
Cookies enhance our website and enable us to remember your interactions with it. By continuing to use our site, you consent to our cookie use. Our privacy policy explains more.
