Kane County, Illinois: What It Costs to Buy a Home
The median home in Kane County is worth $303,000, property taxes on it run about $7,230 a year (2.39%), the FHA loan limit is $541,287, and closing on it means about $303 in transfer tax plus $2,790 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $303,000 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $7,230 a year, 2.39% of value | Property tax page → |
| FHA loan limit (1 unit) | $541,287 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $303 | Illinois transfer tax page → |
| Title insurance on the median home | $2,215 owner's + $575 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $198 | Recording fees page → |
| Closing costs from these items | $3,291 | Closing costs page → |
| Area median income (HUD, family of 4) | $121,500; low-income limit $97,200 | Income limits page → |
Frequently asked questions
How much do homes cost in Kane County?
The median owner-occupied home in Kane County is valued at $303,000, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Kane County?
The median Kane County homeowner pays $7,230 a year in real estate taxes, about 2.39% of the median home value ($7,537 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Kane County?
$541,287 for a one-unit home in 2026 (the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Kane County?
On the $303,000 median home: transfer tax $303, title insurance $2,790 for both policies, recording fees about $198, about $3,291 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Kane County?
HUD's FY 2026 median family income for Kane County (Chicago-Joliet-Naperville, IL HUD Metro FMR Area) is $121,500. A family of four counts as low income below $97,200 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Illinois counties
- Jersey County $168,800
- Jo Daviess County $193,900
- Johnson County $148,200
- Kankakee County $185,700
- Kendall County $298,900
- Knox County $104,900
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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