Illinois conforming loan limits 2026
Illinois has 102 counties. Every county uses the $832,750 baseline — no part of the state qualifies for a high-cost limit.
No part of it qualifies for a high-cost figure, so every county here uses the $832,750 baseline. For 2026, the figure moved in 102 of its 102 counties and 0 stayed the same.
Illinois ranks 7th of 56 jurisdictions by county count, and 23rd by highest limit. Of its counties, 62 sit inside a metropolitan or micropolitan area, across 33 such areas. None of its counties shares a statistical area with a county on a higher figure elsewhere.
Highest limit in state
$832,750
Counties above baseline
0
Distinct figures
0
each figure is set for a whole area
All counties in Illinois
| County | 1-unit 2026 | 2025 | 2024 | Change | Counties sharing this figure |
|---|---|---|---|---|---|
| Adams County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Alexander County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bond County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Boone County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Brown County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Bureau County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Calhoun County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Carroll County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cass County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Champaign County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Christian County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Clark County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Clay County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Clinton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Coles County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cook County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Crawford County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Cumberland County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| De Witt County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Dekalb County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Douglas County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Dupage County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Edgar County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Edwards County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Effingham County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Fayette County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Ford County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Franklin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Fulton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Gallatin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Greene County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Grundy County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hamilton County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hancock County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Hardin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Henderson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Henry County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Iroquois County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jackson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jasper County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jefferson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jersey County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Jo Daviess County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Johnson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Kane County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Kankakee County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Kendall County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Knox County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lake County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lasalle County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lawrence County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Lee County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Livingston County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Logan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Macon County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Macoupin County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Madison County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Marion County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Marshall County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mason County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Massac County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mcdonough County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mchenry County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mclean County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Menard County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Mercer County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Monroe County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Montgomery County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Morgan County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Moultrie County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Ogle County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Peoria County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Perry County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Piatt County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pike County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pope County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Pulaski County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Putnam County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Randolph County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Richland County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Rock Island County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Saline County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Sangamon County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Schuyler County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Scott County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Shelby County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| St. Clair County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Stark County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Stephenson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Tazewell County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Union County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Vermilion County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wabash County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Warren County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Washington County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Wayne County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| White County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Whiteside County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Will County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Williamson County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Winnebago County | $832,750 | $806,500 | $766,550 | +3.3% | — |
| Woodford County | $832,750 | $806,500 | $766,550 | +3.3% | — |
Where several counties carry the same figure, it is set for the metropolitan or micropolitan area they belong to rather than for the county line. County names in the table link to the figure that applies to them, or to the calculator for counties on the baseline.
Frequently asked
Does all of Illinois use the baseline conforming loan limit?
Yes — all 102 counties use the $832,750 baseline in 2026.
What counts as a jumbo loan in Illinois?
Any mortgage above the figure for the area where the property is. In baseline counties that is a loan above $832,750.
Can I check a county that has no page of its own?
The calculator covers all 3235 counties, including every county listed above.