2026 conforming loan limits
2026 conforming loan limits in Illinois
Illinois has 102 counties or equivalents in the official 2026 FHFA dataset. The applicable one-unit baseline for Illinois is $832,750 — the national baseline that applies to the contiguous states, DC, and Puerto Rico. One-unit limits in the dataset range from $832,750 to $832,750.
Baseline
102
Special statutory baseline
0
High-cost area
0
Every county/equivalent in Illinois
| County / equivalent | 1 unit | 2 units | 3 units | 4 units | Category |
|---|---|---|---|---|---|
| Adams County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Alexander County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bond County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Boone County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Brown County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Bureau County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Calhoun County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Carroll County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cass County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Champaign County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Christian County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clark County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Clinton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Coles County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cook County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Crawford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Cumberland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| De Witt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Dekalb County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Douglas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Dupage County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Edgar County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Edwards County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Effingham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Fayette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Ford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Fulton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Gallatin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Greene County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Grundy County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hamilton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hancock County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Hardin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Henderson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Henry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Iroquois County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jasper County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jersey County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Jo Daviess County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Johnson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Kane County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Kankakee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Kendall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Knox County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lasalle County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lawrence County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Lee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Livingston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Logan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Macon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Macoupin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Marion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Marshall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mason County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Massac County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mcdonough County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mchenry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mclean County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Menard County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Mercer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Monroe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Montgomery County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Morgan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Moultrie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Ogle County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Peoria County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Perry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Piatt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pike County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pope County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Pulaski County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Putnam County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Randolph County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Richland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Rock Island County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Saline County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Sangamon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Schuyler County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Scott County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Shelby County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| St. Clair County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Stark County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Stephenson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Tazewell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Vermilion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wabash County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Warren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Wayne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| White County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Whiteside County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Will County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Williamson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Winnebago County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
| Woodford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | Baseline |
Verify these numbers
- Open the official FHFA 2026 County Loan Limit List.
- Filter to Illinois (IL).
- Confirm the 1–4 unit limits match this table.
Dataset: Full County Loan Limit List 2026 (HERA-Based Final Flat). Publisher: Federal Housing Finance Agency. Retrieved 2026-07-29. Row count for Illinois: 102. Dataset SHA-256: 3e4aa578ce0db02db241e2721362e978b097fad70e1532324e0d30a798dd67a8.
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