Champaign County, Illinois has a 2026 one-unit conforming loan limit of $832,750, which is 3.9 times the county's median home value of $211,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $63,683 (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) | $211,500 |
| Illinois median home value | $263,300 |
| Limit ÷ median home value | 3.94× |
| Median household income | $63,683 |
| Median home value ÷ income | 3.3× |
| Population | 208,741 |
| Median property tax paid (owners) | $4,353 |
| Effective property tax rate (approx.) | 2.06% |
| Owner-occupied homes | 54.0% |
| Home value rank in Illinois | 12 of 102 counties |
| Neighbor: Douglas County, IL | limit $832,750; median home $150,400 |
| Neighbor: Edgar County, IL | limit $832,750; median home $97,300 |
| Neighbor: Ford County, IL | limit $832,750; median home $122,000 |
| Neighbor: Mclean County, IL | limit $832,750; median home $208,400 |
| Neighbor: Piatt County, IL | limit $832,750; median home $180,600 |
| Neighbor: Vermilion County, IL | limit $832,750; median home $97,200 |
Across Illinois's 102 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Champaign County's median home value is 20% below the state median of $263,300 (rank 12 of 102). Among its 6 neighboring counties, Mclean County has the highest median home value ($208,400) and Vermilion County the lowest ($97,200); all share the same loan limit. Owners pay a median $4,353 a year in property tax, an effective rate of about 2.06% 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: Chaffee County, CO
- 2026 conforming loan limit: Chambers County, AL
- 2026 conforming loan limit: Chambers County, TX
- 2026 conforming loan limit: Champaign County, OH
- 2026 conforming loan limit: Chariton County, MO
- 2026 conforming loan limit: Charles City County, VA
- 2026 conforming loan limit: Charles County, MD
- 2026 conforming loan limit: Charles Mix County, SD
Last updated 2026-10-16. Data only, not financial or tax advice.