Cook County, Illinois has a 2026 one-unit conforming loan limit of $832,750, which is 2.6 times the county's median home value of $324,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $83,498 (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) | $324,500 |
| Illinois median home value | $263,300 |
| Limit ÷ median home value | 2.57× |
| Median household income | $83,498 |
| Median home value ÷ income | 3.9× |
| Population | 5,182,090 |
| Median property tax paid (owners) | $6,191 |
| Effective property tax rate (approx.) | 1.91% |
| Owner-occupied homes | 57.7% |
| Home value rank in Illinois | 4 of 102 counties |
| Neighbor: Dupage County, IL | limit $832,750; median home $391,400 |
| Neighbor: Kane County, IL | limit $832,750; median home $327,000 |
| Neighbor: Lake County, IL | limit $832,750; median home $345,700 |
| Neighbor: Mchenry County, IL | limit $832,750; median home $308,100 |
| Neighbor: Will County, IL | limit $832,750; median home $319,600 |
| Neighbor: Lake County, IN | limit $832,750; median home $230,600 |
| Neighbor: Porter County, IN | limit $832,750; median home $281,500 |
| Neighbor: Berrien County, MI | limit $832,750; median home $224,300 |
Across Illinois's 102 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Cook County's median home value is 23% above the state median of $263,300 (rank 4 of 102). Among its 8 neighboring counties, Dupage County has the highest median home value ($391,400) and Berrien County the lowest ($224,300); all share the same loan limit. Owners pay a median $6,191 a year in property tax, an effective rate of about 1.91% 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: Converse County, WY
- 2026 conforming loan limit: Conway County, AR
- 2026 conforming loan limit: Cook County, GA
- 2026 conforming loan limit: Cook County, MN
- 2026 conforming loan limit: Cooke County, TX
- 2026 conforming loan limit: Cooper County, MO
- 2026 conforming loan limit: Coos County, NH
- 2026 conforming loan limit: Coos County, OR
Last updated 2026-10-16. Data only, not financial or tax advice.