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2026 Illinois loan limits by county
Illinois has 102 counties in the 2026 FHFA list. The highest one-unit conforming limit is $832,750 in Woodford County; the state median is $832,750. 0 of 102 are above the $832,750 national baseline. 102 sit at the 2026 FHA floor of $541,287.
- 102Counties listed
- $832,750Highest 1-unit conformingWoodford County
- $832,750Median 1-unit conforming
- 102At FHA floorof 102
| County | Conforming 1-unit 2026 | Change vs 2025 | FHA 1-unit 2026 | Conforming 4-unit 2026 |
|---|---|---|---|---|
| Adams County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Alexander County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bond County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Boone County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Brown County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Bureau County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Calhoun County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Carroll County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cass County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Champaign County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Christian County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clark County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clay County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Clinton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Coles County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cook County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Crawford County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Cumberland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| De Witt County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| DeKalb County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Douglas County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| DuPage County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Edgar County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Edwards County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Effingham County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Fayette County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ford County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Franklin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Fulton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Gallatin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Greene County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Grundy County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hamilton County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hancock County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Hardin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Henderson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Henry County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Iroquois County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jackson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jasper County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jefferson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jersey County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Jo Daviess County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Johnson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kane County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kankakee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Kendall County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Knox County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| LaSalle County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lake County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lawrence County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Lee County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Livingston County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Logan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Macon County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Macoupin County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Madison County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Marion County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Marshall County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mason County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Massac County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McDonough County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McHenry County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| McLean County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Menard County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Mercer County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Monroe County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Montgomery County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Morgan County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Moultrie County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Ogle County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Peoria County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Perry County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Piatt County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pike County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pope County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Pulaski County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Putnam County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Randolph County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Richland County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Rock Island County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Saline County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Sangamon County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Schuyler County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Scott County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Shelby County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| St. Clair County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Stark County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Stephenson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Tazewell County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Union County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Vermilion County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wabash County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Warren County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Washington County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Wayne County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| White County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Whiteside County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Will County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Williamson County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Winnebago County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
| Woodford County | $832,750 | +$26,250 (+3.3%) | $541,287 | $1,601,750 |
Sources
- Federal Housing Finance Agency, 2026 Conforming Loan Limit Values, full county list (CSV), file dated November 24, 2025; announced November 25, 2025.
- FHFA 2025 county list (CSV), file dated September 15, 2025.
- U.S. Department of Housing and Urban Development, CY2026 FHA forward mortgage limits file, dated December 10, 2025; Mortgagee Letter 2025-23, December 11, 2025. Search tool: HUD FHA Mortgage Limits.
Figures are copied from the files above without modification. Program rules can change mid-year; confirm with your lender.