Illinois loan limits 2026 by county
In 2026, every one of the 102 counties in Illinois has the $832,750 baseline conforming loan limit for a one-unit home. Every Illinois county has the $541,287 FHA floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every Illinois county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Adams County | $832,750 | $541,287 | Quincy, IL-MO |
| Alexander County | $832,750 | $541,287 | Cape Girardeau, MO-IL |
| Bond County | $832,750 | $541,287 | St. Louis, MO-IL |
| Boone County | $832,750 | $541,287 | Rockford, IL |
| Brown County | $832,750 | $541,287 | Non-Metro |
| Bureau County | $832,750 | $541,287 | Ottawa, IL |
| Calhoun County | $832,750 | $541,287 | St. Louis, MO-IL |
| Carroll County | $832,750 | $541,287 | Non-Metro |
| Cass County | $832,750 | $541,287 | Non-Metro |
| Champaign County | $832,750 | $541,287 | Champaign-Urbana, IL |
| Christian County | $832,750 | $541,287 | Taylorville, IL |
| Clark County | $832,750 | $541,287 | Non-Metro |
| Clay County | $832,750 | $541,287 | Non-Metro |
| Clinton County | $832,750 | $541,287 | St. Louis, MO-IL |
| Coles County | $832,750 | $541,287 | Charleston-Mattoon, IL |
| Cook County | $832,750 | $541,287 | Chicago-Naperville-Elgin, IL-IN |
| Crawford County | $832,750 | $541,287 | Non-Metro |
| Cumberland County | $832,750 | $541,287 | Effingham, IL |
| De Witt County | $832,750 | $541,287 | Non-Metro |
| DeKalb County | $832,750 | $541,287 | Chicago-Naperville-Elgin, IL-IN |
| Douglas County | $832,750 | $541,287 | Non-Metro |
| DuPage County | $832,750 | $541,287 | Chicago-Naperville-Elgin, IL-IN |
| Edgar County | $832,750 | $541,287 | Non-Metro |
| Edwards County | $832,750 | $541,287 | Non-Metro |
| Effingham County | $832,750 | $541,287 | Effingham, IL |
| Fayette County | $832,750 | $541,287 | Non-Metro |
| Ford County | $832,750 | $541,287 | Champaign-Urbana, IL |
| Franklin County | $832,750 | $541,287 | Non-Metro |
| Fulton County | $832,750 | $541,287 | Canton, IL |
| Gallatin County | $832,750 | $541,287 | Non-Metro |
| Greene County | $832,750 | $541,287 | Non-Metro |
| Grundy County | $832,750 | $541,287 | Chicago-Naperville-Elgin, IL-IN |
| Hamilton County | $832,750 | $541,287 | Non-Metro |
| Hancock County | $832,750 | $541,287 | Non-Metro |
| Hardin County | $832,750 | $541,287 | Non-Metro |
| Henderson County | $832,750 | $541,287 | Burlington, IA-IL |
| Henry County | $832,750 | $541,287 | Davenport-Moline-Rock Island, IA-IL |
| Iroquois County | $832,750 | $541,287 | Non-Metro |
| Jackson County | $832,750 | $541,287 | Carbondale, IL |
| Jasper County | $832,750 | $541,287 | Non-Metro |
| Jefferson County | $832,750 | $541,287 | Mount Vernon, IL |
| Jersey County | $832,750 | $541,287 | St. Louis, MO-IL |
| Jo Daviess County | $832,750 | $541,287 | Non-Metro |
| Johnson County | $832,750 | $541,287 | Non-Metro |
| Kane County | $832,750 | $541,287 | Chicago-Naperville-Elgin, IL-IN |
| Kankakee County | $832,750 | $541,287 | Kankakee, IL |
| Kendall County | $832,750 | $541,287 | Chicago-Naperville-Elgin, IL-IN |
| Knox County | $832,750 | $541,287 | Galesburg, IL |
| LaSalle County | $832,750 | $541,287 | Ottawa, IL |
| Lake County | $832,750 | $541,287 | Chicago-Naperville-Elgin, IL-IN |
| Lawrence County | $832,750 | $541,287 | Non-Metro |
| Lee County | $832,750 | $541,287 | Dixon, IL |
| Livingston County | $832,750 | $541,287 | Pontiac, IL |
| Logan County | $832,750 | $541,287 | Lincoln, IL |
| Macon County | $832,750 | $541,287 | Decatur, IL |
| Macoupin County | $832,750 | $541,287 | St. Louis, MO-IL |
| Madison County | $832,750 | $541,287 | St. Louis, MO-IL |
| Marion County | $832,750 | $541,287 | Centralia, IL |
| Marshall County | $832,750 | $541,287 | Peoria, IL |
| Mason County | $832,750 | $541,287 | Non-Metro |
| Massac County | $832,750 | $541,287 | Paducah, KY-IL |
| McDonough County | $832,750 | $541,287 | Macomb, IL |
| McHenry County | $832,750 | $541,287 | Chicago-Naperville-Elgin, IL-IN |
| McLean County | $832,750 | $541,287 | Bloomington, IL |
| Menard County | $832,750 | $541,287 | Springfield, IL |
| Mercer County | $832,750 | $541,287 | Davenport-Moline-Rock Island, IA-IL |
| Monroe County | $832,750 | $541,287 | St. Louis, MO-IL |
| Montgomery County | $832,750 | $541,287 | Non-Metro |
| Morgan County | $832,750 | $541,287 | Jacksonville, IL |
| Moultrie County | $832,750 | $541,287 | Non-Metro |
| Ogle County | $832,750 | $541,287 | Rochelle, IL |
| Peoria County | $832,750 | $541,287 | Peoria, IL |
| Perry County | $832,750 | $541,287 | Non-Metro |
| Piatt County | $832,750 | $541,287 | Champaign-Urbana, IL |
| Pike County | $832,750 | $541,287 | Non-Metro |
| Pope County | $832,750 | $541,287 | Non-Metro |
| Pulaski County | $832,750 | $541,287 | Non-Metro |
| Putnam County | $832,750 | $541,287 | Ottawa, IL |
| Randolph County | $832,750 | $541,287 | Non-Metro |
| Richland County | $832,750 | $541,287 | Non-Metro |
| Rock Island County | $832,750 | $541,287 | Davenport-Moline-Rock Island, IA-IL |
| Saline County | $832,750 | $541,287 | Non-Metro |
| Sangamon County | $832,750 | $541,287 | Springfield, IL |
| Schuyler County | $832,750 | $541,287 | Non-Metro |
| Scott County | $832,750 | $541,287 | Jacksonville, IL |
| Shelby County | $832,750 | $541,287 | Non-Metro |
| St. Clair County | $832,750 | $541,287 | St. Louis, MO-IL |
| Stark County | $832,750 | $541,287 | Peoria, IL |
| Stephenson County | $832,750 | $541,287 | Freeport, IL |
| Tazewell County | $832,750 | $541,287 | Peoria, IL |
| Union County | $832,750 | $541,287 | Non-Metro |
| Vermilion County | $832,750 | $541,287 | Danville, IL |
| Wabash County | $832,750 | $541,287 | Non-Metro |
| Warren County | $832,750 | $541,287 | Non-Metro |
| Washington County | $832,750 | $541,287 | Non-Metro |
| Wayne County | $832,750 | $541,287 | Non-Metro |
| White County | $832,750 | $541,287 | Non-Metro |
| Whiteside County | $832,750 | $541,287 | Sterling, IL |
| Will County | $832,750 | $541,287 | Chicago-Naperville-Elgin, IL-IN |
| Williamson County | $832,750 | $541,287 | Marion-Herrin, IL |
| Winnebago County | $832,750 | $541,287 | Rockford, IL |
| Woodford County | $832,750 | $541,287 | Peoria, IL |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
FHA, VA and conforming limits in Illinois
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Illinois fair market rentsHUD Fair Market Rents for every Illinois county, studios to 4 bedrooms.
- Illinois property tax ratesEffective property tax rate for every Illinois county from survey data.
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Questions about Illinois loan limits
What are the FHA loan limits in Illinois for 2026?
$541,287 to $541,287 for a one-unit home, depending on the county. Every county is at the national floor of $541,287. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Illinois for 2026?
$832,750 for a one-unit home in every Illinois county, effective January 1, 2026 (FHFA).
What is the VA loan limit in Illinois?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 in Illinois for 2026: 25 percent of that limit minus the entitlement already used.
Which Illinois counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Adams County at $541,287. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/illinois. Not lending advice.