- 2026 FHA loan limit, Cook County (one-unit home)
- $541,287
- 2026 conforming loan limit, Cook County (one-unit home)
- $832,750
- Cook County median sale price, Q2 2026 · Illinois REALTORS
- $385,000
FHA limit: HUD FHA mortgage limits, checked October 8, 2026. Conforming limit: FHFA conforming loan limits, checked October 8, 2026. Sale price: Illinois REALTORS Q2 2026 report, checked October 8, 2026. This price covers all of Cook County. It is not a Niles price.
Mortgage loans in Niles, IL
- Between Chicago and the North Shore.
The decision usually comes down to how long you expect to hold the loan, since FHA mortgage insurance is not removable the way conventional PMI is.
Programs commonly used in Niles
This is what tends to fit the price point and property type here, not a list of everything that exists. Which one is right for you depends on your file.
Have an offer on a property in Niles?
Send the Loan Estimate. You will get back what is worth questioning on it, including “nothing, this is a good offer,” when that is the answer.