Hardin County, Illinois has a 2026 one-unit conforming loan limit of $832,750, which is 8.0 times the county's median home value of $103,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $54,271 (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) | $103,800 |
| Illinois median home value | $263,300 |
| Limit ÷ median home value | 8.02× |
| Median household income | $54,271 |
| Median home value ÷ income | 1.9× |
| Population | 3,605 |
| Median property tax paid (owners) | $1,001 |
| Effective property tax rate (approx.) | 0.96% |
| Owner-occupied homes | 79.5% |
| Home value rank in Illinois | 86 of 102 counties |
| Neighbor: Gallatin County, IL | limit $832,750; median home $82,900 |
| Neighbor: Pope County, IL | limit $832,750; median home $143,800 |
| Neighbor: Saline County, IL | limit $832,750; median home $94,300 |
| Neighbor: Crittenden County, KY | limit $832,750; median home $127,300 |
| Neighbor: Livingston County, KY | limit $832,750; median home $125,600 |
| Neighbor: Union County, KY | limit $832,750; median home $104,500 |
Across Illinois's 102 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Hardin County's median home value is 61% below the state median of $263,300 (rank 86 of 102). Among its 6 neighboring counties, Pope County has the highest median home value ($143,800) and Gallatin County the lowest ($82,900); all share the same loan limit. Owners pay a median $1,001 a year in property tax, an effective rate of about 0.96% 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: Grundy County, IL
- 2026 conforming loan limit: Hamilton County, IL
- 2026 conforming loan limit: Hancock County, IL
- 2026 conforming loan limit: Henderson County, IL
- 2026 conforming loan limit: Henry County, IL
- 2026 conforming loan limit: Iroquois County, IL
- 2026 conforming loan limit: Jackson County, IL
- 2026 conforming loan limit: Jasper County, IL
Last updated Oct 16, 2026, 10:42 PM ET. Data only, not financial or tax advice.
Related answers
- Mortgage rates in Illinois today: 7.40% 30-yr fixed (US avg), 2026 loan limits
- Illinois state income tax rates and brackets 2026
- Cost of living in Illinois vs US average (2024)
- 2026 conforming loan limits in Illinois by county
- $60,000 salary after taxes in Illinois (2026 take-home pay)
- $85,000 salary after taxes in Illinois (2026 take-home pay)
- $100,000 salary after taxes in Illinois (2026 take-home pay)
- 2026 conforming loan limit: Grundy County, IL
- 2026 conforming loan limit: Hamilton County, IL
- 2026 conforming loan limit: Hancock County, IL
- 2026 conforming loan limit: Henderson County, IL
- 2026 conforming loan limit: Henry County, IL
- 2026 conforming loan limit: Iroquois County, IL
- Mortgage rates today (Freddie Mac weekly average)