HUD Median Income


Young home buyers
2013 HUD Median Income for Illinois
. Median household income is used for a variety of reasons, including identifying eligibility for low to moderate mortgage loans; also known as CRA (Community Reinvestment Act). Fannie Mae and Freddie Mac each have a special mortgage product that is partially based upon on the household median income (i.e. Home Possible Mortgage and the My Community Mortgage). If you are seeking a mortgage and your household income is at or lower than  the amounts listed below, mention this to the lender or broker. The benefit may be a lower down payment, closing cost assistance, grant money, reduced interest rate or reduced mip/pmi.

The U.S. Census Bureau defines median household income as follows:
“Median income is the amount which divides the income distribution into two equal groups, half having income above that amount, and half having income below that amount. Mean income (average) is the amount obtained by dividing the total aggregate income of a group by the number of units in that group. The means and medians for households and families are based on all households and families. Means and medians for people are based on people 15 years old and over with income”
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2012 - 2013 HUD Median Income for Illinois Counties
You can verify the HUD limits with eFannieMae. This link > DATA SET will lead you to HUD MSA incomes for one to eight family incomes. Scroll to the bottom of the page and click on the state. A new window will open in your browser.

Illinois County MSA 2013 HUD Income
ADAMS COUNTY, ILNON METRO AREA 59,400
ALEXANDER COUNTY, ILCape Girardeau-Jackson, MO-IL 54,600
BOND COUNTY, ILSt. Louis, MO-IL 70,400
BOONE COUNTY, ILRockford, IL 64,300
BROWN COUNTY, ILNON METRO AREA 57,400
BUREAU COUNTY, ILNON METRO AREA 58,600
CALHOUN COUNTY, ILSt. Louis, MO-IL 70,400
CARROLL COUNTY, ILNON METRO AREA 57,400
CASS COUNTY, ILNON METRO AREA 57,400
CHAMPAIGN COUNTY, ILChampaign-Urbana, IL 68,000
CHRISTIAN COUNTY, ILNON METRO AREA 57,400
CLARK COUNTY, ILNON METRO AREA 57,400
CLAY COUNTY, ILNON METRO AREA 57,400
CLINTON COUNTY, ILSt. Louis, MO-IL 70,400
COLES COUNTY, ILNON METRO AREA 58,000
COOK COUNTY, ILChicago-Naperville-Joliet, IL-IN-WI 75,800
CRAWFORD COUNTY, ILNON METRO AREA 57,400
CUMBERLAND COUNTY, ILNON METRO AREA 57,400
DEKALB COUNTY, ILChicago-Naperville-Joliet, IL-IN-WI 75,800
DE WITT COUNTY, ILNON METRO AREA 62,100
DOUGLAS COUNTY, ILNON METRO AREA 63,200
DUPAGE COUNTY, ILChicago-Naperville-Joliet, IL-IN-WI 75,800
EDGAR COUNTY, ILNON METRO AREA 57,400
EDWARDS COUNTY, ILNON METRO AREA 57,400
EFFINGHAM COUNTY, ILNON METRO AREA 64,500
FAYETTE COUNTY, ILNON METRO AREA 57,400
FORD COUNTY, ILChampaign-Urbana, IL 68,000
FRANKLIN COUNTY, ILNON METRO AREA 57,400
FULTON COUNTY, ILNON METRO AREA 57,400
GALLATIN COUNTY, ILNON METRO AREA 57,400
GREENE COUNTY, ILNON METRO AREA 57,400
GRUNDY COUNTY, ILChicago-Naperville-Joliet, IL-IN-WI 75,800
HAMILTON COUNTY, ILNON METRO AREA 57,400
HANCOCK COUNTY, ILNON METRO AREA 59,500
HARDIN COUNTY, ILNON METRO AREA 57,400
HENDERSON COUNTY, ILNON METRO AREA 57,400
HENRY COUNTY, ILDavenport-Moline-Rock Island, IA-IL 65,000
IROQUOIS COUNTY, ILNON METRO AREA 59,700
JACKSON COUNTY, ILNON METRO AREA 57,400
JASPER COUNTY, ILNON METRO AREA 57,400
JEFFERSON COUNTY, ILNON METRO AREA 57,400
JERSEY COUNTY, ILSt. Louis, MO-IL 70,400
JO DAVIESS COUNTY, ILNON METRO AREA 65,300
JOHNSON COUNTY, ILNON METRO AREA 57,500
KANE COUNTY, ILChicago-Naperville-Joliet, IL-IN-WI 75,800
KANKAKEE COUNTY, ILKankakee-Bradley, IL 65,300
KENDALL COUNTY, ILChicago-Naperville-Joliet, IL-IN-WI 75,800
KNOX COUNTY, ILNON METRO AREA 57,400
LAKE COUNTY, ILChicago-Naperville-Joliet, IL-IN-WI 75,800
LA SALLE COUNTY, ILNON METRO AREA 65,100
LAWRENCE COUNTY, ILNON METRO AREA 57,400
LEE COUNTY, ILNON METRO AREA 64,900
LIVINGSTON COUNTY, ILNON METRO AREA 64,300
LOGAN COUNTY, ILNON METRO AREA 65,500
MACON COUNTY, ILDecatur, IL 60,300
MACOUPIN COUNTY, ILSt. Louis, MO-IL 70,400
MADISON COUNTY, ILSt. Louis, MO-IL 70,400
MARION COUNTY, ILNON METRO AREA 57,400
MARSHALL COUNTY, ILPeoria, IL 69,100
MASON COUNTY, ILNON METRO AREA 57,400
MASSAC COUNTY, ILNON METRO AREA 57,400
MCDONOUGH COUNTY, ILNON METRO AREA 57,400
MCHENRY COUNTY, ILChicago-Naperville-Joliet, IL-IN-WI 75,800
MCLEAN COUNTY, ILBloomington-Normal, IL 80,200
MENARD COUNTY, ILSpringfield, IL 70,000
MERCER COUNTY, ILDavenport-Moline-Rock Island, IA-IL 65,000
MONROE COUNTY, ILSt. Louis, MO-IL 70,400
MONTGOMERY COUNTY, ILNON METRO AREA 58,400
MORGAN COUNTY, ILNON METRO AREA 62,400
MOULTRIE COUNTY, ILNON METRO AREA 57,400
OGLE COUNTY, ILNON METRO AREA 69,400
PEORIA COUNTY, ILPeoria, IL 69,100
PERRY COUNTY, ILNON METRO AREA 57,400
PIATT COUNTY, ILChampaign-Urbana, IL 68,000
PIKE COUNTY, ILNON METRO AREA 57,400
POPE COUNTY, ILNON METRO AREA 59,000
PULASKI COUNTY, ILNON METRO AREA 57,400
PUTNAM COUNTY, ILNON METRO AREA 70,900
RANDOLPH COUNTY, ILNON METRO AREA 57,700
RICHLAND COUNTY, ILNON METRO AREA 57,400
ROCK ISLAND COUNTY, ILDavenport-Moline-Rock Island, IA-IL 65,000
SALINE COUNTY, ILNON METRO AREA 57,400
SANGAMON COUNTY, ILSpringfield, IL 70,000
SCHUYLER COUNTY, ILNON METRO AREA 57,400
SCOTT COUNTY, ILNON METRO AREA 67,100
SHELBY COUNTY, ILNON METRO AREA 58,900
ST. CLAIR COUNTY, ILSt. Louis, MO-IL 70,400
STARK COUNTY, ILPeoria, IL 69,100
STEPHENSON COUNTY, ILNON METRO AREA 59,500
TAZEWELL COUNTY, ILPeoria, IL 69,100
UNION COUNTY, ILNON METRO AREA 57,400
VERMILION COUNTY, ILDanville, IL 53,300
WABASH COUNTY, ILNON METRO AREA 60,900
WARREN COUNTY, ILNON METRO AREA 57,400
WASHINGTON COUNTY, ILNON METRO AREA 66,300
WAYNE COUNTY, ILNON METRO AREA 57,400
WHITE COUNTY, ILNON METRO AREA 57,400
WHITESIDE COUNTY, ILNON METRO AREA 57,400
WILL COUNTY, ILChicago-Naperville-Joliet, IL-IN-WI 75,800
WILLIAMSON COUNTY, ILNON METRO AREA 57,400
WINNEBAGO COUNTY, ILRockford, IL 64,300
WOODFORD COUNTY, ILPeoria, IL 69,100