Illinois Mortgage Guide 2026
Compare 2026 FHA and conforming loan limits across all 102 counties in Illinois. FHA limits in this state range from $541,287 to $541,287, while conforming limits range from $832,750 to $832,750.
2026 Loan Limits by County in Illinois
| # | County | FHA Limit (1-Unit) | Conforming Limit (1-Unit) | Median Home Value |
|---|---|---|---|---|
| 1 | Adams County | $541,287 | $832,750 | $162,600 |
| 2 | Alexander County | $541,287 | $832,750 | $59,800 |
| 3 | Bond County | $541,287 | $832,750 | $145,700 |
| 4 | Boone County | $541,287 | $832,750 | $216,900 |
| 5 | Brown County | $541,287 | $832,750 | $150,300 |
| 6 | Bureau County | $541,287 | $832,750 | $126,900 |
| 7 | Calhoun County | $541,287 | $832,750 | $190,900 |
| 8 | Carroll County | $541,287 | $832,750 | $114,500 |
| 9 | Cass County | $541,287 | $832,750 | $97,100 |
| 10 | Champaign County | $541,287 | $832,750 | $211,500 |
| 11 | Christian County | $541,287 | $832,750 | $115,500 |
| 12 | Clark County | $541,287 | $832,750 | $132,400 |
| 13 | Clay County | $541,287 | $832,750 | $97,400 |
| 14 | Clinton County | $541,287 | $832,750 | $192,400 |
| 15 | Coles County | $541,287 | $832,750 | $127,400 |
| 16 | Cook County | $541,287 | $832,750 | $324,500 |
| 17 | Crawford County | $541,287 | $832,750 | $121,100 |
| 18 | Cumberland County | $541,287 | $832,750 | $126,000 |
| 19 | De Witt County | $541,287 | $832,750 | $130,300 |
| 20 | DeKalb County | $541,287 | $832,750 | $243,600 |
| 21 | Douglas County | $541,287 | $832,750 | $150,400 |
| 22 | DuPage County | $541,287 | $832,750 | $391,400 |
| 23 | Edgar County | $541,287 | $832,750 | $97,300 |
| 24 | Edwards County | $541,287 | $832,750 | $100,000 |
| 25 | Effingham County | $541,287 | $832,750 | $189,500 |
| 26 | Fayette County | $541,287 | $832,750 | $130,700 |
| 27 | Ford County | $541,287 | $832,750 | $122,000 |
| 28 | Franklin County | $541,287 | $832,750 | $89,000 |
| 29 | Fulton County | $541,287 | $832,750 | $107,200 |
| 30 | Gallatin County | $541,287 | $832,750 | $82,900 |
| 31 | Greene County | $541,287 | $832,750 | $95,200 |
| 32 | Grundy County | $541,287 | $832,750 | $271,700 |
| 33 | Hamilton County | $541,287 | $832,750 | $113,700 |
| 34 | Hancock County | $541,287 | $832,750 | $113,800 |
| 35 | Hardin County | $541,287 | $832,750 | $103,800 |
| 36 | Henderson County | $541,287 | $832,750 | $104,400 |
| 37 | Henry County | $541,287 | $832,750 | $151,600 |
| 38 | Iroquois County | $541,287 | $832,750 | $137,800 |
| 39 | Jackson County | $541,287 | $832,750 | $137,300 |
| 40 | Jasper County | $541,287 | $832,750 | $125,500 |
| 41 | Jefferson County | $541,287 | $832,750 | $126,000 |
| 42 | Jersey County | $541,287 | $832,750 | $171,900 |
| 43 | Jo Daviess County | $541,287 | $832,750 | $209,900 |
| 44 | Johnson County | $541,287 | $832,750 | $160,500 |
| 45 | Kane County | $541,287 | $832,750 | $327,000 |
| 46 | Kankakee County | $541,287 | $832,750 | $192,600 |
| 47 | Kendall County | $541,287 | $832,750 | $322,400 |
| 48 | Knox County | $541,287 | $832,750 | $111,900 |
| 49 | LaSalle County | $541,287 | $832,750 | $161,900 |
| 50 | Lake County | $541,287 | $832,750 | $345,700 |
| 51 | Lawrence County | $541,287 | $832,750 | $99,100 |
| 52 | Lee County | $541,287 | $832,750 | $154,600 |
| 53 | Livingston County | $541,287 | $832,750 | $142,200 |
| 54 | Logan County | $541,287 | $832,750 | $134,400 |
| 55 | Macon County | $541,287 | $832,750 | $127,300 |
| 56 | Macoupin County | $541,287 | $832,750 | $138,200 |
| 57 | Madison County | $541,287 | $832,750 | $173,000 |
| 58 | Marion County | $541,287 | $832,750 | $103,000 |
| 59 | Marshall County | $541,287 | $832,750 | $142,800 |
| 60 | Mason County | $541,287 | $832,750 | $103,400 |
| 61 | Massac County | $541,287 | $832,750 | $121,900 |
| 62 | McDonough County | $541,287 | $832,750 | $107,500 |
| 63 | McHenry County | $541,287 | $832,750 | $308,100 |
| 64 | McLean County | $541,287 | $832,750 | $208,400 |
| 65 | Menard County | $541,287 | $832,750 | $185,500 |
| 66 | Mercer County | $541,287 | $832,750 | $146,700 |
| 67 | Monroe County | $541,287 | $832,750 | $282,100 |
| 68 | Montgomery County | $541,287 | $832,750 | $112,300 |
| 69 | Morgan County | $541,287 | $832,750 | $130,800 |
| 70 | Moultrie County | $541,287 | $832,750 | $134,000 |
| 71 | Ogle County | $541,287 | $832,750 | $189,200 |
| 72 | Peoria County | $541,287 | $832,750 | $158,500 |
| 73 | Perry County | $541,287 | $832,750 | $112,600 |
| 74 | Piatt County | $541,287 | $832,750 | $180,600 |
| 75 | Pike County | $541,287 | $832,750 | $101,400 |
| 76 | Pope County | $541,287 | $832,750 | $143,800 |
| 77 | Pulaski County | $541,287 | $832,750 | $85,100 |
| 78 | Putnam County | $541,287 | $832,750 | $172,700 |
| 79 | Randolph County | $541,287 | $832,750 | $135,100 |
| 80 | Richland County | $541,287 | $832,750 | $112,000 |
| 81 | Rock Island County | $541,287 | $832,750 | $150,400 |
| 82 | Saline County | $541,287 | $832,750 | $94,300 |
| 83 | Sangamon County | $541,287 | $832,750 | $176,300 |
| 84 | Schuyler County | $541,287 | $832,750 | $109,700 |
| 85 | Scott County | $541,287 | $832,750 | $96,400 |
| 86 | Shelby County | $541,287 | $832,750 | $137,100 |
| 87 | St. Clair County | $541,287 | $832,750 | $180,300 |
| 88 | Stark County | $541,287 | $832,750 | $104,500 |
| 89 | Stephenson County | $541,287 | $832,750 | $134,900 |
| 90 | Tazewell County | $541,287 | $832,750 | $167,500 |
| 91 | Union County | $541,287 | $832,750 | $131,700 |
| 92 | Vermilion County | $541,287 | $832,750 | $97,200 |
| 93 | Wabash County | $541,287 | $832,750 | $104,900 |
| 94 | Warren County | $541,287 | $832,750 | $105,000 |
| 95 | Washington County | $541,287 | $832,750 | $155,700 |
| 96 | Wayne County | $541,287 | $832,750 | $110,700 |
| 97 | White County | $541,287 | $832,750 | $108,100 |
| 98 | Whiteside County | $541,287 | $832,750 | $127,100 |
| 99 | Will County | $541,287 | $832,750 | $319,600 |
| 100 | Williamson County | $541,287 | $832,750 | $156,400 |
| 101 | Winnebago County | $541,287 | $832,750 | $164,500 |
| 102 | Woodford County | $541,287 | $832,750 | $197,600 |
About Illinois's Mortgage Market
Illinois has 102 counties, each with its own FHA and conforming loan limits for 2026. FHA limits in Illinois range from $541,287 to $541,287 for a single-family home. Conforming limits range from $832,750 to $832,750.
Use our mortgage calculator to compute monthly payments using Illinois-specific loan limits. Or explore a specific county above for detailed FHA vs conventional comparisons.
Frequently Asked Questions
What is the maximum FHA loan limit in Illinois?
The highest 2026 FHA limit in Illinois is $541,287 for a single-family home.
What is the maximum conforming loan limit in Illinois?
The highest 2026 conforming loan limit in Illinois is $832,750 for a single-family home. Loans above this threshold are considered "jumbo" and require stricter qualifications.
How many counties are in Illinois?
Illinois has 102 counties, each with its own loan limits published annually by FHFA and HUD.
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026, U.S. Census Bureau ACS 5-Year Estimates. Public domain. This page is for informational purposes and does not constitute financial advice.