State · 2026 limits
Illinois conforming loan limits 2026
$832,750
conforming loan limit for a one-unit home in every Illinois county, 2026
Limits by county from FHFA. Informational only, not lending advice.
Counties102in FHFA's file
Above the baseline0all at $832,750
Highest 4-unit limit$1,601,750every county
Rose since 2025102of 102 counties
The four limits, drawn to scale
Every Illinois county has the same 2026 limits, so one figure covers the state.
2026 limit hereceiling (150% of baseline)baseline
Source: FHFA 2026 county loan limit file.
Every Illinois county
No rows match.
| Adams County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
|---|---|---|---|---|---|
| Alexander County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Bond County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Boone County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Brown County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Bureau County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Calhoun County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Carroll County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Cass County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Champaign County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Christian County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Clark County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Clinton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Coles County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Cook County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Crawford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Cumberland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| De Witt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| DeKalb County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Douglas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| DuPage County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Edgar County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Edwards County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Effingham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Fayette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Ford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Fulton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Gallatin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Greene County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Grundy County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Hamilton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Hancock County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Hardin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Henderson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Henry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Iroquois County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Jasper County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Jersey County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Jo Daviess County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Johnson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Kane County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Kankakee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Kendall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Knox County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| LaSalle County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Lawrence County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Lee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Livingston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Logan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Macon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Macoupin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Marion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Marshall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Mason County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Massac County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| McDonough County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| McHenry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| McLean County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Menard County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Mercer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Monroe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Montgomery County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Morgan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Moultrie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Ogle County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Peoria County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Perry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Piatt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Pike County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Pope County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Pulaski County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Putnam County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Randolph County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Richland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Rock Island County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Saline County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Sangamon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Schuyler County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Scott County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Shelby County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| St. Clair County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Stark County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Stephenson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Tazewell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Vermilion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Wabash County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Warren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Wayne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| White County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Whiteside County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Will County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Williamson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Winnebago County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
| Woodford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 | +$26,250 (+3.3%) |
FHA limits in Illinois
HUD sets FHA limits for each county between $541,287 and $1,249,125 for one unit in 2026. HUD's lookup has the exact county figures.
Questions
What is the 2026 conforming loan limit in Illinois?
$832,750 for a one-unit home in every county.
Which Illinois counties have the highest loan limits?
None stands out: all 102 counties share the $832,750 limit.
What is the FHA loan limit in Illinois for 2026?
HUD sets FHA limits county by county, between $541,287 and $1,249,125 for one unit. HUD's FHA Mortgage Limits lookup has each county's exact figure.
Is a loan above the Illinois limit a jumbo loan?
Yes. A loan above the conforming limit for its county and unit count is a jumbo loan, which Fannie Mae and Freddie Mac cannot buy.
Sources
- U.S. Federal Housing Finance Agency, Conforming Loan Limit Values, 2026 full county loan limit list (HERA-based, final, flat file; 3,235 county rows; downloaded November 1, 2026)
- FHFA, 2025 full county loan limit list (3,234 county rows), used for year-over-year change
- FHFA, Conforming Loan Limit Values FAQs (updated November 2025)
- U.S. Department of Housing and Urban Development, HUD's Federal Housing Administration Announces 2026 Loan Limits (December 11, 2025) and Mortgagee Letter 2025-23, 2026 Nationwide Forward Mortgage Limits
- HUD, FHA Mortgage Limits lookup (exact FHA limit by county and metro area)
Figures as published by the agencies. See sources and method.