2026 conforming loan limits · Illinois
All 102 counties in Illinois use the same one-unit conforming limit of $832,750.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
Illinois at a glance
| Metric | Value |
|---|---|
| Counties | 102 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $832,750 |
| Distinct one-unit limits | 1 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 0 of 102 (0.0%) |
| At the applicable ceiling | 0 |
| Dataset year | CY2026 |
Every county in Illinois carries the same one-unit limit, so there is no high-cost ranking to show.
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Adams County | QUINCY, IL-MO | $832,750 | $541,287 | $291,463 |
| Alexander County | CAPE GIRARDEAU, MO-IL | $832,750 | $541,287 | $291,463 |
| Bond County | ST. LOUIS, MO-IL | $832,750 | $541,287 | $291,463 |
| Boone County | ROCKFORD, IL | $832,750 | $541,287 | $291,463 |
| Brown County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Bureau County | OTTAWA, IL | $832,750 | $541,287 | $291,463 |
| Calhoun County | ST. LOUIS, MO-IL | $832,750 | $541,287 | $291,463 |
| Carroll County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Cass County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Champaign County | CHAMPAIGN-URBANA, IL | $832,750 | $541,287 | $291,463 |
| Christian County | TAYLORVILLE, IL | $832,750 | $541,287 | $291,463 |
| Clark County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Clay County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Clinton County | ST. LOUIS, MO-IL | $832,750 | $541,287 | $291,463 |
| Coles County | CHARLESTON-MATTOON, IL | $832,750 | $541,287 | $291,463 |
| Cook County | CHICAGO-NAPERVILLE-ELGIN, IL-IN | $832,750 | $541,287 | $291,463 |
| Crawford County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Cumberland County | EFFINGHAM, IL | $832,750 | $541,287 | $291,463 |
| Dekalb County | CHICAGO-NAPERVILLE-ELGIN, IL-IN | $832,750 | $541,287 | $291,463 |
| De Witt County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Douglas County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Dupage County | CHICAGO-NAPERVILLE-ELGIN, IL-IN | $832,750 | $541,287 | $291,463 |
| Edgar County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Edwards County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Effingham County | EFFINGHAM, IL | $832,750 | $541,287 | $291,463 |
| Fayette County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Ford County | CHAMPAIGN-URBANA, IL | $832,750 | $541,287 | $291,463 |
| Franklin County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Fulton County | CANTON, IL | $832,750 | $541,287 | $291,463 |
| Gallatin County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Greene County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Grundy County | CHICAGO-NAPERVILLE-ELGIN, IL-IN | $832,750 | $541,287 | $291,463 |
| Hamilton County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hancock County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hardin County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Henderson County | BURLINGTON, IA-IL | $832,750 | $541,287 | $291,463 |
| Henry County | DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | $832,750 | $541,287 | $291,463 |
| Iroquois County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Jackson County | CARBONDALE, IL | $832,750 | $541,287 | $291,463 |
| Jasper County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Jefferson County | MOUNT VERNON, IL | $832,750 | $541,287 | $291,463 |
| Jersey County | ST. LOUIS, MO-IL | $832,750 | $541,287 | $291,463 |
| Jo Daviess County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Johnson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Kane County | CHICAGO-NAPERVILLE-ELGIN, IL-IN | $832,750 | $541,287 | $291,463 |
| Kankakee County | KANKAKEE, IL | $832,750 | $541,287 | $291,463 |
| Kendall County | CHICAGO-NAPERVILLE-ELGIN, IL-IN | $832,750 | $541,287 | $291,463 |
| Knox County | GALESBURG, IL | $832,750 | $541,287 | $291,463 |
| Lake County | CHICAGO-NAPERVILLE-ELGIN, IL-IN | $832,750 | $541,287 | $291,463 |
| Lasalle County | OTTAWA, IL | $832,750 | $541,287 | $291,463 |
| Lawrence County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lee County | DIXON, IL | $832,750 | $541,287 | $291,463 |
| Livingston County | PONTIAC, IL | $832,750 | $541,287 | $291,463 |
| Logan County | LINCOLN, IL | $832,750 | $541,287 | $291,463 |
| Mcdonough County | MACOMB, IL | $832,750 | $541,287 | $291,463 |
| Mchenry County | CHICAGO-NAPERVILLE-ELGIN, IL-IN | $832,750 | $541,287 | $291,463 |
| Mclean County | BLOOMINGTON, IL | $832,750 | $541,287 | $291,463 |
| Macon County | DECATUR, IL | $832,750 | $541,287 | $291,463 |
| Macoupin County | ST. LOUIS, MO-IL | $832,750 | $541,287 | $291,463 |
| Madison County | ST. LOUIS, MO-IL | $832,750 | $541,287 | $291,463 |
| Marion County | CENTRALIA, IL | $832,750 | $541,287 | $291,463 |
| Marshall County | PEORIA, IL | $832,750 | $541,287 | $291,463 |
| Mason County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Massac County | PADUCAH, KY-IL | $832,750 | $541,287 | $291,463 |
| Menard County | SPRINGFIELD, IL | $832,750 | $541,287 | $291,463 |
| Mercer County | DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | $832,750 | $541,287 | $291,463 |
| Monroe County | ST. LOUIS, MO-IL | $832,750 | $541,287 | $291,463 |
| Montgomery County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Morgan County | JACKSONVILLE, IL | $832,750 | $541,287 | $291,463 |
| Moultrie County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Ogle County | ROCHELLE, IL | $832,750 | $541,287 | $291,463 |
| Peoria County | PEORIA, IL | $832,750 | $541,287 | $291,463 |
| Perry County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Piatt County | CHAMPAIGN-URBANA, IL | $832,750 | $541,287 | $291,463 |
| Pike County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Pope County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Pulaski County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Putnam County | OTTAWA, IL | $832,750 | $541,287 | $291,463 |
| Randolph County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Richland County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Rock Island County | DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | $832,750 | $541,287 | $291,463 |
| St. Clair County | ST. LOUIS, MO-IL | $832,750 | $541,287 | $291,463 |
| Saline County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Sangamon County | SPRINGFIELD, IL | $832,750 | $541,287 | $291,463 |
| Schuyler County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Scott County | JACKSONVILLE, IL | $832,750 | $541,287 | $291,463 |
| Shelby County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Stark County | PEORIA, IL | $832,750 | $541,287 | $291,463 |
| Stephenson County | FREEPORT, IL | $832,750 | $541,287 | $291,463 |
| Tazewell County | PEORIA, IL | $832,750 | $541,287 | $291,463 |
| Union County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Vermilion County | DANVILLE, IL | $832,750 | $541,287 | $291,463 |
| Wabash County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Warren County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Washington County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Wayne County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| White County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Whiteside County | STERLING, IL | $832,750 | $541,287 | $291,463 |
| Will County | CHICAGO-NAPERVILLE-ELGIN, IL-IN | $832,750 | $541,287 | $291,463 |
| Williamson County | MARION-HERRIN, IL | $832,750 | $541,287 | $291,463 |
| Winnebago County | ROCKFORD, IL | $832,750 | $541,287 | $291,463 |
| Woodford County | PEORIA, IL | $832,750 | $541,287 | $291,463 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Adams County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Alexander County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bond County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Boone County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Brown County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bureau County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Calhoun County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Carroll County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cass County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Champaign County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Christian County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clark County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clinton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Coles County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cook County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Crawford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cumberland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dekalb County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| De Witt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Douglas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dupage County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Edgar County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Edwards County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Effingham County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fayette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fulton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Gallatin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Greene County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grundy County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hamilton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hancock County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hardin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Henderson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Henry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Iroquois County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jasper County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jersey County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jo Daviess County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Johnson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kane County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kankakee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Kendall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Knox County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lake County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lasalle County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lawrence County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Livingston County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Logan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mcdonough County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mchenry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mclean County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Macon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Macoupin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marshall County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mason County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Massac County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Menard County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mercer County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monroe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Montgomery County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Morgan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Moultrie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ogle County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Peoria County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Perry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Piatt County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pike County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pope County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pulaski County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Putnam County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Randolph County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Richland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Rock Island County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| St. Clair County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Saline County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sangamon County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Schuyler County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Scott County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Shelby County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Stark County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Stephenson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Tazewell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Vermilion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wabash County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Warren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Wayne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| White County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Whiteside County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Will County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Williamson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Winnebago County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Woodford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)