Loan Limits / Illinois
2026 Loan Limits · IL
Illinois loan limits.
All 102 counties in Illinois with their 2026 conforming and FHA loan limits. Click a county for full multi-unit limits and context.
102 counties
1-unit limits shown · click for full detail| County | Median Price | GSE 1u | GSE Class | FHA 1u | FHA Class |
|---|---|---|---|---|---|
| Adams | $159,000 | $832,750 | Standard | $541,287 | Standard |
| Alexander | $231,000 | $832,750 | Standard | $541,287 | Standard |
| Bond | $370,000 | $832,750 | Standard | $541,287 | Standard |
| Boone | $336,000 | $832,750 | Standard | $541,287 | Standard |
| Brown | $110,000 | $832,750 | Standard | $541,287 | Standard |
| Bureau | $280,000 | $832,750 | Standard | $541,287 | Standard |
| Calhoun | $370,000 | $832,750 | Standard | $541,287 | Standard |
| Carroll | $126,000 | $832,750 | Standard | $541,287 | Standard |
| Cass | $73,000 | $832,750 | Standard | $541,287 | Standard |
| Champaign | $250,000 | $832,750 | Standard | $541,287 | Standard |
| Christian | $105,000 | $832,750 | Standard | $541,287 | Standard |
| Clark | $118,000 | $832,750 | Standard | $541,287 | Standard |
| Clay | $101,000 | $832,750 | Standard | $541,287 | Standard |
| Clinton | $370,000 | $832,750 | Standard | $541,287 | Standard |
| Coles | $119,000 | $832,750 | Standard | $541,287 | Standard |
| Cook | $455,000 | $832,750 | Standard | $541,287 | Standard |
| Crawford | $88,000 | $832,750 | Standard | $541,287 | Standard |
| Cumberland | $194,000 | $832,750 | Standard | $541,287 | Standard |
| De Witt | $124,000 | $832,750 | Standard | $541,287 | Standard |
| Dekalb | $455,000 | $832,750 | Standard | $541,287 | Standard |
| Douglas | $204,000 | $832,750 | Standard | $541,287 | Standard |
| Dupage | $455,000 | $832,750 | Standard | $541,287 | Standard |
| Edgar | $125,000 | $832,750 | Standard | $541,287 | Standard |
| Edwards | $75,000 | $832,750 | Standard | $541,287 | Standard |
| Effingham | $194,000 | $832,750 | Standard | $541,287 | Standard |
| Fayette | $86,000 | $832,750 | Standard | $541,287 | Standard |
| Ford | $250,000 | $832,750 | Standard | $541,287 | Standard |
| Franklin | $117,000 | $832,750 | Standard | $541,287 | Standard |
| Fulton | $80,000 | $832,750 | Standard | $541,287 | Standard |
| Gallatin | $87,000 | $832,750 | Standard | $541,287 | Standard |
| Greene | $105,000 | $832,750 | Standard | $541,287 | Standard |
| Grundy | $455,000 | $832,750 | Standard | $541,287 | Standard |
| Hamilton | $75,000 | $832,750 | Standard | $541,287 | Standard |
| Hancock | $90,000 | $832,750 | Standard | $541,287 | Standard |
| Hardin | $64,000 | $832,750 | Standard | $541,287 | Standard |
| Henderson | $139,000 | $832,750 | Standard | $541,287 | Standard |
| Henry | $225,000 | $832,750 | Standard | $541,287 | Standard |
| Iroquois | $224,000 | $832,750 | Standard | $541,287 | Standard |
| Jackson | $111,000 | $832,750 | Standard | $541,287 | Standard |
| Jasper | $95,000 | $832,750 | Standard | $541,287 | Standard |
| Jefferson | $108,000 | $832,750 | Standard | $541,287 | Standard |
| Jersey | $370,000 | $832,750 | Standard | $541,287 | Standard |
| Jo Daviess | $225,000 | $832,750 | Standard | $541,287 | Standard |
| Johnson | $132,000 | $832,750 | Standard | $541,287 | Standard |
| Kane | $455,000 | $832,750 | Standard | $541,287 | Standard |
| Kankakee | $182,000 | $832,750 | Standard | $541,287 | Standard |
| Kendall | $455,000 | $832,750 | Standard | $541,287 | Standard |
| Knox | $105,000 | $832,750 | Standard | $541,287 | Standard |
| Lake | $455,000 | $832,750 | Standard | $541,287 | Standard |
| Lasalle | $280,000 | $832,750 | Standard | $541,287 | Standard |
| Lawrence | $125,000 | $832,750 | Standard | $541,287 | Standard |
| Lee | $142,000 | $832,750 | Standard | $541,287 | Standard |
| Livingston | $132,000 | $832,750 | Standard | $541,287 | Standard |
| Logan | $126,000 | $832,750 | Standard | $541,287 | Standard |
| Macon | $115,000 | $832,750 | Standard | $541,287 | Standard |
| Macoupin | $370,000 | $832,750 | Standard | $541,287 | Standard |
| Madison | $370,000 | $832,750 | Standard | $541,287 | Standard |
| Marion | $83,000 | $832,750 | Standard | $541,287 | Standard |
| Marshall | $160,000 | $832,750 | Standard | $541,287 | Standard |
| Mason | $84,000 | $832,750 | Standard | $541,287 | Standard |
| Massac | $185,000 | $832,750 | Standard | $541,287 | Standard |
| Mcdonough | $85,000 | $832,750 | Standard | $541,287 | Standard |
| Mchenry | $455,000 | $832,750 | Standard | $541,287 | Standard |
| Mclean | $235,000 | $832,750 | Standard | $541,287 | Standard |
| Menard | $206,000 | $832,750 | Standard | $541,287 | Standard |
| Mercer | $225,000 | $832,750 | Standard | $541,287 | Standard |
| Monroe | $370,000 | $832,750 | Standard | $541,287 | Standard |
| Montgomery | $105,000 | $832,750 | Standard | $541,287 | Standard |
| Morgan | $130,000 | $832,750 | Standard | $541,287 | Standard |
| Moultrie | $132,000 | $832,750 | Standard | $541,287 | Standard |
| Ogle | $180,000 | $832,750 | Standard | $541,287 | Standard |
| Peoria | $160,000 | $832,750 | Standard | $541,287 | Standard |
| Perry | $82,000 | $832,750 | Standard | $541,287 | Standard |
| Piatt | $250,000 | $832,750 | Standard | $541,287 | Standard |
| Pike | $106,000 | $832,750 | Standard | $541,287 | Standard |
| Pope | $216,000 | $832,750 | Standard | $541,287 | Standard |
| Pulaski | $106,000 | $832,750 | Standard | $541,287 | Standard |
| Putnam | $280,000 | $832,750 | Standard | $541,287 | Standard |
| Randolph | $121,000 | $832,750 | Standard | $541,287 | Standard |
| Richland | $139,000 | $832,750 | Standard | $541,287 | Standard |
| Rock Island | $225,000 | $832,750 | Standard | $541,287 | Standard |
| Saline | $90,000 | $832,750 | Standard | $541,287 | Standard |
| Sangamon | $206,000 | $832,750 | Standard | $541,287 | Standard |
| Schuyler | $85,000 | $832,750 | Standard | $541,287 | Standard |
| Scott | $130,000 | $832,750 | Standard | $541,287 | Standard |
| Shelby | $110,000 | $832,750 | Standard | $541,287 | Standard |
| St. Clair | $370,000 | $832,750 | Standard | $541,287 | Standard |
| Stark | $160,000 | $832,750 | Standard | $541,287 | Standard |
| Stephenson | $119,000 | $832,750 | Standard | $541,287 | Standard |
| Tazewell | $160,000 | $832,750 | Standard | $541,287 | Standard |
| Union | $172,000 | $832,750 | Standard | $541,287 | Standard |
| Vermilion | $85,000 | $832,750 | Standard | $541,287 | Standard |
| Wabash | $136,000 | $832,750 | Standard | $541,287 | Standard |
| Warren | $102,000 | $832,750 | Standard | $541,287 | Standard |
| Washington | $134,000 | $832,750 | Standard | $541,287 | Standard |
| Wayne | $91,000 | $832,750 | Standard | $541,287 | Standard |
| White | $72,000 | $832,750 | Standard | $541,287 | Standard |
| Whiteside | $124,000 | $832,750 | Standard | $541,287 | Standard |
| Will | $455,000 | $832,750 | Standard | $541,287 | Standard |
| Williamson | $148,000 | $832,750 | Standard | $541,287 | Standard |
| Winnebago | $336,000 | $832,750 | Standard | $541,287 | Standard |
| Woodford | $160,000 | $832,750 | Standard | $541,287 | Standard |
Illinois at a glance
102 counties indexed. All counties use the standard conforming and FHA limits. The highest GSE 1-unit limit in Illinois is $832,750 in Adams County.
Loan amount above the conforming limit for your county? You're in jumbo territory. Below the FHA ceiling? FHA financing is on the table. We can run the numbers for any property in Illinois.