What are the loan limits in each Illinois county?
| County | Conforming (1 unit) | FHA (1 unit) | FHA (2 units) | Median home value |
|---|---|---|---|---|
| Adams County | $832,750 | $541,287 | $693,050 | $155,900 |
| Alexander County | $832,750 | $541,287 | $693,050 | $58,700 |
| Bond County | $832,750 | $541,287 | $693,050 | $133,100 |
| Boone County | $832,750 | $541,287 | $693,050 | $198,600 |
| Brown County | $832,750 | $541,287 | $693,050 | $142,200 |
| Bureau County | $832,750 | $541,287 | $693,050 | $121,900 |
| Calhoun County | $832,750 | $541,287 | $693,050 | $174,000 |
| Carroll County | $832,750 | $541,287 | $693,050 | $113,500 |
| Cass County | $832,750 | $541,287 | $693,050 | $95,500 |
| Champaign County | $832,750 | $541,287 | $693,050 | $205,100 |
| Christian County | $832,750 | $541,287 | $693,050 | $112,100 |
| Clark County | $832,750 | $541,287 | $693,050 | $123,100 |
| Clay County | $832,750 | $541,287 | $693,050 | $94,300 |
| Clinton County | $832,750 | $541,287 | $693,050 | $180,500 |
| Coles County | $832,750 | $541,287 | $693,050 | $121,900 |
| Cook County | $832,750 | $541,287 | $693,050 | $305,200 |
| Crawford County | $832,750 | $541,287 | $693,050 | $113,700 |
| Cumberland County | $832,750 | $541,287 | $693,050 | $117,700 |
| De Witt County | $832,750 | $541,287 | $693,050 | $124,200 |
| DeKalb County | $832,750 | $541,287 | $693,050 | $231,900 |
| Douglas County | $832,750 | $541,287 | $693,050 | $142,600 |
| DuPage County | $832,750 | $541,287 | $693,050 | $374,100 |
| Edgar County | $832,750 | $541,287 | $693,050 | $95,700 |
| Edwards County | $832,750 | $541,287 | $693,050 | $97,500 |
| Effingham County | $832,750 | $541,287 | $693,050 | $179,800 |
| Fayette County | $832,750 | $541,287 | $693,050 | $114,700 |
| Ford County | $832,750 | $541,287 | $693,050 | $118,100 |
| Franklin County | $832,750 | $541,287 | $693,050 | $87,700 |
| Fulton County | $832,750 | $541,287 | $693,050 | $102,500 |
| Gallatin County | $832,750 | $541,287 | $693,050 | $84,700 |
| Greene County | $832,750 | $541,287 | $693,050 | $94,400 |
| Grundy County | $832,750 | $541,287 | $693,050 | $259,200 |
| Hamilton County | $832,750 | $541,287 | $693,050 | $108,800 |
| Hancock County | $832,750 | $541,287 | $693,050 | $108,400 |
| Hardin County | $832,750 | $541,287 | $693,050 | $91,700 |
| Henderson County | $832,750 | $541,287 | $693,050 | $101,600 |
| Henry County | $832,750 | $541,287 | $693,050 | $145,300 |
| Iroquois County | $832,750 | $541,287 | $693,050 | $125,400 |
| Jackson County | $832,750 | $541,287 | $693,050 | $125,000 |
| Jasper County | $832,750 | $541,287 | $693,050 | $122,900 |
| Jefferson County | $832,750 | $541,287 | $693,050 | $118,400 |
| Jersey County | $832,750 | $541,287 | $693,050 | $168,800 |
| Jo Daviess County | $832,750 | $541,287 | $693,050 | $193,900 |
| Johnson County | $832,750 | $541,287 | $693,050 | $148,200 |
| Kane County | $832,750 | $541,287 | $693,050 | $303,000 |
| Kankakee County | $832,750 | $541,287 | $693,050 | $185,700 |
| Kendall County | $832,750 | $541,287 | $693,050 | $298,900 |
| Knox County | $832,750 | $541,287 | $693,050 | $104,900 |
| Lake County | $832,750 | $541,287 | $693,050 | $326,600 |
| LaSalle County | $832,750 | $541,287 | $693,050 | $154,900 |
| Lawrence County | $832,750 | $541,287 | $693,050 | $95,500 |
| Lee County | $832,750 | $541,287 | $693,050 | $155,100 |
| Livingston County | $832,750 | $541,287 | $693,050 | $131,500 |
| Logan County | $832,750 | $541,287 | $693,050 | $125,900 |
| Macon County | $832,750 | $541,287 | $693,050 | $121,800 |
| Macoupin County | $832,750 | $541,287 | $693,050 | $126,100 |
| Madison County | $832,750 | $541,287 | $693,050 | $167,900 |
| Marion County | $832,750 | $541,287 | $693,050 | $100,100 |
| Marshall County | $832,750 | $541,287 | $693,050 | $137,800 |
| Mason County | $832,750 | $541,287 | $693,050 | $106,100 |
| Massac County | $832,750 | $541,287 | $693,050 | $118,000 |
| McDonough County | $832,750 | $541,287 | $693,050 | $103,500 |
| McHenry County | $832,750 | $541,287 | $693,050 | $286,900 |
| McLean County | $832,750 | $541,287 | $693,050 | $198,300 |
| Menard County | $832,750 | $541,287 | $693,050 | $179,300 |
| Mercer County | $832,750 | $541,287 | $693,050 | $139,300 |
| Monroe County | $832,750 | $541,287 | $693,050 | $265,600 |
| Montgomery County | $832,750 | $541,287 | $693,050 | $102,200 |
| Morgan County | $832,750 | $541,287 | $693,050 | $128,700 |
| Moultrie County | $832,750 | $541,287 | $693,050 | $121,500 |
| Ogle County | $832,750 | $541,287 | $693,050 | $184,100 |
| Peoria County | $832,750 | $541,287 | $693,050 | $152,600 |
| Perry County | $832,750 | $541,287 | $693,050 | $105,200 |
| Piatt County | $832,750 | $541,287 | $693,050 | $173,200 |
| Pike County | $832,750 | $541,287 | $693,050 | $100,100 |
| Pope County | $832,750 | $541,287 | $693,050 | $165,300 |
| Pulaski County | $832,750 | $541,287 | $693,050 | $81,000 |
| Putnam County | $832,750 | $541,287 | $693,050 | $167,800 |
| Randolph County | $832,750 | $541,287 | $693,050 | $134,100 |
| Richland County | $832,750 | $541,287 | $693,050 | $106,600 |
| Rock Island County | $832,750 | $541,287 | $693,050 | $144,700 |
| Saline County | $832,750 | $541,287 | $693,050 | $92,900 |
| Sangamon County | $832,750 | $541,287 | $693,050 | $170,300 |
| Schuyler County | $832,750 | $541,287 | $693,050 | $106,200 |
| Scott County | $832,750 | $541,287 | $693,050 | $101,700 |
| Shelby County | $832,750 | $541,287 | $693,050 | $130,400 |
| St. Clair County | $832,750 | $541,287 | $693,050 | $168,800 |
| Stark County | $832,750 | $541,287 | $693,050 | $103,500 |
| Stephenson County | $832,750 | $541,287 | $693,050 | $127,500 |
| Tazewell County | $832,750 | $541,287 | $693,050 | $164,500 |
| Union County | $832,750 | $541,287 | $693,050 | $131,700 |
| Vermilion County | $832,750 | $541,287 | $693,050 | $92,900 |
| Wabash County | $832,750 | $541,287 | $693,050 | $103,900 |
| Warren County | $832,750 | $541,287 | $693,050 | $101,300 |
| Washington County | $832,750 | $541,287 | $693,050 | $149,800 |
| Wayne County | $832,750 | $541,287 | $693,050 | $109,400 |
| White County | $832,750 | $541,287 | $693,050 | $100,100 |
| Whiteside County | $832,750 | $541,287 | $693,050 | $125,800 |
| Will County | $832,750 | $541,287 | $693,050 | $298,000 |
| Williamson County | $832,750 | $541,287 | $693,050 | $145,600 |
| Winnebago County | $832,750 | $541,287 | $693,050 | $155,100 |
| Woodford County | $832,750 | $541,287 | $693,050 | $193,800 |
Which Illinois counties are high-cost areas?
No Illinois county is above the national baseline, so the conforming limit is $832,750 statewide.
Largest cities in Illinois
Frequently asked questions
FHA one-unit limits in Illinois start at $541,287. In Cook County, the most populous county, it's $541,287.
The 2026 one-unit conforming limit in Cook County is $832,750.
With 3.5% down, the $541,287 FHA floor supports a price of about $560,000. Higher-limit counties allow more.
Sources
- FHFA — 2026 Conforming Loan Limit Values
- HUD — 2026 FHA Forward Mortgage Limits (county file)
- U.S. Census Bureau — ACS 2019–2023 5-Year Estimates
Data last updated October 23, 2026.
Get matched with Illinois lenders
Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.
Get My MatchesFigures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.