Clay County, Illinois has a 2026 one-unit conforming loan limit of $832,750, which is 8.5 times the county's median home value of $97,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $60,417 (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) | $97,400 |
| Illinois median home value | $263,300 |
| Limit ÷ median home value | 8.55× |
| Median household income | $60,417 |
| Median home value ÷ income | 1.6× |
| Population | 13,052 |
| Median property tax paid (owners) | $1,392 |
| Effective property tax rate (approx.) | 1.43% |
| Owner-occupied homes | 79.3% |
| Home value rank in Illinois | 92 of 102 counties |
| Neighbor: Effingham County, IL | limit $832,750; median home $189,500 |
| Neighbor: Fayette County, IL | limit $832,750; median home $130,700 |
| Neighbor: Jasper County, IL | limit $832,750; median home $125,500 |
| Neighbor: Marion County, IL | limit $832,750; median home $103,000 |
| Neighbor: Richland County, IL | limit $832,750; median home $112,000 |
| Neighbor: Wayne County, IL | limit $832,750; median home $110,700 |
Across Illinois's 102 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Clay County's median home value is 63% below the state median of $263,300 (rank 92 of 102). Among its 6 neighboring counties, Effingham County has the highest median home value ($189,500) and Marion County the lowest ($103,000); all share the same loan limit. Owners pay a median $1,392 a year in property tax, an effective rate of about 1.43% 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: Clay County, FL
- 2026 conforming loan limit: Clay County, GA
- 2026 conforming loan limit: Clay County, IA
- 2026 conforming loan limit: Clay County, IN
- 2026 conforming loan limit: Clay County, KS
- 2026 conforming loan limit: Clay County, KY
- 2026 conforming loan limit: Clay County, MN
- 2026 conforming loan limit: Clay County, MO
Last updated 2026-10-16. Data only, not financial or tax advice.