Carroll County, Illinois has a 2026 one-unit conforming loan limit of $832,750, which is 7.3 times the county's median home value of $114,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $60,758 (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) | $114,500 |
| Illinois median home value | $263,300 |
| Limit ÷ median home value | 7.27× |
| Median household income | $60,758 |
| Median home value ÷ income | 1.9× |
| Population | 15,576 |
| Median property tax paid (owners) | $2,277 |
| Effective property tax rate (approx.) | 1.99% |
| Owner-occupied homes | 77.2% |
| Home value rank in Illinois | 70 of 102 counties |
| Neighbor: Jo Daviess County, IL | limit $832,750; median home $209,900 |
| Neighbor: Ogle County, IL | limit $832,750; median home $189,200 |
| Neighbor: Stephenson County, IL | limit $832,750; median home $134,900 |
| Neighbor: Whiteside County, IL | limit $832,750; median home $127,100 |
| Neighbor: Clinton County, IA | limit $832,750; median home $160,600 |
| Neighbor: Jackson County, IA | limit $832,750; median home $175,000 |
Across Illinois's 102 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Carroll County's median home value is 57% below the state median of $263,300 (rank 70 of 102). Among its 6 neighboring counties, Jo Daviess County has the highest median home value ($209,900) and Whiteside County the lowest ($127,100); all share the same loan limit. Owners pay a median $2,277 a year in property tax, an effective rate of about 1.99% 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: Carroll County, AR
- 2026 conforming loan limit: Carroll County, GA
- 2026 conforming loan limit: Carroll County, IA
- 2026 conforming loan limit: Carroll County, IN
- 2026 conforming loan limit: Carroll County, KY
- 2026 conforming loan limit: Carroll County, MD
- 2026 conforming loan limit: Carroll County, MO
- 2026 conforming loan limit: Carroll County, MS
Last updated 2026-10-16. Data only, not financial or tax advice.