2026 conforming loan limit: Fayette County, IL (2026 Limits, Updated Oct 2026)

Name: 2026 conforming loan limit: Fayette County, IL
Creator: BuyMeWhiskey
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Quick answer

Fayette County, Illinois has a 2026 one-unit conforming loan limit of $832,750, which is 6.4 times the county's median home value of $130,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $60,944 (FHFA; Census ACS 2020–2024).

✓ FHFA 2026 conforming loan limits; U.S. Census Bureau 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)	$130,700
Illinois median home value	$263,300
Limit ÷ median home value	6.37×
Median household income	$60,944
Median home value ÷ income	2.1×
Population	21,315
Median property tax paid (owners)	$1,894
Effective property tax rate (approx.)	1.45%
Owner-occupied homes	80.6%
Home value rank in Illinois	57 of 102 counties
Neighbor: Bond County, IL	limit $832,750; median home $145,700
Neighbor: Clay County, IL	limit $832,750; median home $97,400
Neighbor: Clinton County, IL	limit $832,750; median home $192,400
Neighbor: Effingham County, IL	limit $832,750; median home $189,500
Neighbor: Marion County, IL	limit $832,750; median home $103,000
Neighbor: Montgomery County, IL	limit $832,750; median home $112,300
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. Fayette County's median home value is 50% below the state median of $263,300 (rank 57 of 102). Among its 7 neighboring counties, Clinton County has the highest median home value ($192,400) and Clay County the lowest ($97,400); all share the same loan limit. Owners pay a median $1,894 a year in property tax, an effective rate of about 1.45% 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.

Frequently asked questions

What is the conforming loan limit in Fayette County, Illinois?

What is the median home value in Fayette County, Illinois?

The median owner-occupied home value in Fayette County is $130,700 (ACS 2020–2024), versus $263,300 statewide.

Do I need a jumbo loan in Fayette County?

Only if your loan amount exceeds $832,750 for a one-unit home; the county median home value is $130,700, so the cap is 6.37 times the typical home value.

Last updated Oct 20, 2026, 10:03 PM ET. Data only, not financial or tax advice.