Coles County, Illinois has a 2026 one-unit conforming loan limit of $832,750, which is 6.5 times the county's median home value of $127,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $56,478 (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) | $127,400 |
| Illinois median home value | $263,300 |
| Limit ÷ median home value | 6.54× |
| Median household income | $56,478 |
| Median home value ÷ income | 2.3× |
| Population | 46,777 |
| Median property tax paid (owners) | $2,474 |
| Effective property tax rate (approx.) | 1.94% |
| Owner-occupied homes | 60.4% |
| Home value rank in Illinois | 59 of 102 counties |
| Neighbor: Clark County, IL | limit $832,750; median home $132,400 |
| Neighbor: Cumberland County, IL | limit $832,750; median home $126,000 |
| Neighbor: Douglas County, IL | limit $832,750; median home $150,400 |
| Neighbor: Edgar County, IL | limit $832,750; median home $97,300 |
| Neighbor: Moultrie County, IL | limit $832,750; median home $134,000 |
| Neighbor: Shelby County, IL | limit $832,750; median home $137,100 |
Across Illinois's 102 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Coles County's median home value is 52% below the state median of $263,300 (rank 59 of 102). Among its 6 neighboring counties, Douglas County has the highest median home value ($150,400) and Edgar County the lowest ($97,300); all share the same loan limit. Owners pay a median $2,474 a year in property tax, an effective rate of about 1.94% 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.
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Last updated 2026-10-16. Data only, not financial or tax advice.