Illinois Loan Limits by County, 2026
How big a loan can your county back?
About these limits
FHA and conforming limits are set per county each year by HUD and FHFA. A loan above the limit is a jumbo loan with different rules. Source: HUD CHUMS file for 2026 and FHFA county limits.
FHA and conforming (Fannie Mae and Freddie Mac) limits for a one-unit home in all 102 Illinois counties. Every county is at the national floor.
Choose your county to see the answer.
CountyHouseholdIncomePriceSavings
More about loan limits
Illinois counties
| County | FHA limit (1 unit) | Conforming limit (1 unit) | Area |
|---|---|---|---|
| Adams County | $541,287 | $832,750 | Floor |
| Alexander County | $541,287 | $832,750 | Floor |
| Bond County | $541,287 | $832,750 | Floor |
| Boone County | $541,287 | $832,750 | Floor |
| Brown County | $541,287 | $832,750 | Floor |
| Bureau County | $541,287 | $832,750 | Floor |
| Calhoun County | $541,287 | $832,750 | Floor |
| Carroll County | $541,287 | $832,750 | Floor |
| Cass County | $541,287 | $832,750 | Floor |
| Champaign County | $541,287 | $832,750 | Floor |
| Christian County | $541,287 | $832,750 | Floor |
| Clark County | $541,287 | $832,750 | Floor |
| Clay County | $541,287 | $832,750 | Floor |
| Clinton County | $541,287 | $832,750 | Floor |
| Coles County | $541,287 | $832,750 | Floor |
| Cook County | $541,287 | $832,750 | Floor |
| Crawford County | $541,287 | $832,750 | Floor |
| Cumberland County | $541,287 | $832,750 | Floor |
| De Witt County | $541,287 | $832,750 | Floor |
| DeKalb County | $541,287 | $832,750 | Floor |
| Douglas County | $541,287 | $832,750 | Floor |
| DuPage County | $541,287 | $832,750 | Floor |
| Edgar County | $541,287 | $832,750 | Floor |
| Edwards County | $541,287 | $832,750 | Floor |
| Effingham County | $541,287 | $832,750 | Floor |
| Fayette County | $541,287 | $832,750 | Floor |
| Ford County | $541,287 | $832,750 | Floor |
| Franklin County | $541,287 | $832,750 | Floor |
| Fulton County | $541,287 | $832,750 | Floor |
| Gallatin County | $541,287 | $832,750 | Floor |
| Greene County | $541,287 | $832,750 | Floor |
| Grundy County | $541,287 | $832,750 | Floor |
| Hamilton County | $541,287 | $832,750 | Floor |
| Hancock County | $541,287 | $832,750 | Floor |
| Hardin County | $541,287 | $832,750 | Floor |
| Henderson County | $541,287 | $832,750 | Floor |
| Henry County | $541,287 | $832,750 | Floor |
| Iroquois County | $541,287 | $832,750 | Floor |
| Jackson County | $541,287 | $832,750 | Floor |
| Jasper County | $541,287 | $832,750 | Floor |
| Jefferson County | $541,287 | $832,750 | Floor |
| Jersey County | $541,287 | $832,750 | Floor |
| Jo Daviess County | $541,287 | $832,750 | Floor |
| Johnson County | $541,287 | $832,750 | Floor |
| Kane County | $541,287 | $832,750 | Floor |
| Kankakee County | $541,287 | $832,750 | Floor |
| Kendall County | $541,287 | $832,750 | Floor |
| Knox County | $541,287 | $832,750 | Floor |
| Lake County | $541,287 | $832,750 | Floor |
| LaSalle County | $541,287 | $832,750 | Floor |
| Lawrence County | $541,287 | $832,750 | Floor |
| Lee County | $541,287 | $832,750 | Floor |
| Livingston County | $541,287 | $832,750 | Floor |
| Logan County | $541,287 | $832,750 | Floor |
| Macon County | $541,287 | $832,750 | Floor |
| Macoupin County | $541,287 | $832,750 | Floor |
| Madison County | $541,287 | $832,750 | Floor |
| Marion County | $541,287 | $832,750 | Floor |
| Marshall County | $541,287 | $832,750 | Floor |
| Mason County | $541,287 | $832,750 | Floor |
| Massac County | $541,287 | $832,750 | Floor |
| McDonough County | $541,287 | $832,750 | Floor |
| McHenry County | $541,287 | $832,750 | Floor |
| McLean County | $541,287 | $832,750 | Floor |
| Menard County | $541,287 | $832,750 | Floor |
| Mercer County | $541,287 | $832,750 | Floor |
| Monroe County | $541,287 | $832,750 | Floor |
| Montgomery County | $541,287 | $832,750 | Floor |
| Morgan County | $541,287 | $832,750 | Floor |
| Moultrie County | $541,287 | $832,750 | Floor |
| Ogle County | $541,287 | $832,750 | Floor |
| Peoria County | $541,287 | $832,750 | Floor |
| Perry County | $541,287 | $832,750 | Floor |
| Piatt County | $541,287 | $832,750 | Floor |
| Pike County | $541,287 | $832,750 | Floor |
| Pope County | $541,287 | $832,750 | Floor |
| Pulaski County | $541,287 | $832,750 | Floor |
| Putnam County | $541,287 | $832,750 | Floor |
| Randolph County | $541,287 | $832,750 | Floor |
| Richland County | $541,287 | $832,750 | Floor |
| Rock Island County | $541,287 | $832,750 | Floor |
| Saline County | $541,287 | $832,750 | Floor |
| Sangamon County | $541,287 | $832,750 | Floor |
| Schuyler County | $541,287 | $832,750 | Floor |
| Scott County | $541,287 | $832,750 | Floor |
| Shelby County | $541,287 | $832,750 | Floor |
| St. Clair County | $541,287 | $832,750 | Floor |
| Stark County | $541,287 | $832,750 | Floor |
| Stephenson County | $541,287 | $832,750 | Floor |
| Tazewell County | $541,287 | $832,750 | Floor |
| Union County | $541,287 | $832,750 | Floor |
| Vermilion County | $541,287 | $832,750 | Floor |
| Wabash County | $541,287 | $832,750 | Floor |
| Warren County | $541,287 | $832,750 | Floor |
| Washington County | $541,287 | $832,750 | Floor |
| Wayne County | $541,287 | $832,750 | Floor |
| White County | $541,287 | $832,750 | Floor |
| Whiteside County | $541,287 | $832,750 | Floor |
| Will County | $541,287 | $832,750 | Floor |
| Williamson County | $541,287 | $832,750 | Floor |
| Winnebago County | $541,287 | $832,750 | Floor |
| Woodford County | $541,287 | $832,750 | Floor |
Sources
- 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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