Adams County, Illinois has a 2026 one-unit conforming loan limit of $832,750, which is 5.1 times the county's median home value of $162,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $66,220 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $162,600 |
| Illinois median home value | $263,300 |
| Limit ÷ median home value | 5.12× |
| Median household income | $66,220 |
| Median home value ÷ income | 2.5× |
| Population | 64,754 |
| Median property tax paid (owners) | $2,573 |
| Effective property tax rate (approx.) | 1.58% |
| Owner-occupied homes | 72.1% |
| Home value rank in Illinois | 30 of 102 counties |
| Neighbor: Brown County, IL | limit $832,750; median home $150,300 |
| Neighbor: Hancock County, IL | limit $832,750; median home $113,800 |
| Neighbor: Pike County, IL | limit $832,750; median home $101,400 |
| Neighbor: Schuyler County, IL | limit $832,750; median home $109,700 |
| Neighbor: Lewis County, MO | limit $832,750; median home $130,200 |
| Neighbor: Marion County, MO | limit $832,750; median home $162,000 |
Across Illinois's 102 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Adams County's median home value is 38% below the state median of $263,300 (rank 30 of 102). Among its 6 neighboring counties, Marion County has the highest median home value ($162,000) and Pike County the lowest ($101,400); all share the same loan limit. Owners pay a median $2,573 a year in property tax, an effective rate of about 1.58% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Adams County, CO
- 2026 conforming loan limit: Adams County, IA
- 2026 conforming loan limit: Adams County, ID
- 2026 conforming loan limit: Adams County, IN
- 2026 conforming loan limit: Adams County, MS
- 2026 conforming loan limit: Adams County, ND
- 2026 conforming loan limit: Adams County, NE
- 2026 conforming loan limit: Adams County, OH
Last updated 2026-10-16. Data only, not financial or tax advice.