Henderson 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 $104,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $62,227 (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) | $104,400 |
| Illinois median home value | $263,300 |
| Limit ÷ median home value | 7.98× |
| Median household income | $62,227 |
| Median home value ÷ income | 1.7× |
| Population | 6,193 |
| Median property tax paid (owners) | $1,651 |
| Effective property tax rate (approx.) | 1.58% |
| Owner-occupied homes | 81.1% |
| Home value rank in Illinois | 85 of 102 counties |
| Neighbor: Hancock County, IL | limit $832,750; median home $113,800 |
| Neighbor: Mcdonough County, IL | limit $832,750; median home $107,500 |
| Neighbor: Mercer County, IL | limit $832,750; median home $146,700 |
| Neighbor: Warren County, IL | limit $832,750; median home $105,000 |
| Neighbor: Des Moines County, IA | limit $832,750; median home $136,500 |
| Neighbor: Lee County, IA | limit $832,750; median home $141,400 |
Across Illinois's 102 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Henderson County's median home value is 60% below the state median of $263,300 (rank 85 of 102). Among its 6 neighboring counties, Mercer County has the highest median home value ($146,700) and Warren County the lowest ($105,000); all share the same loan limit. Owners pay a median $1,651 a year in property tax, an effective rate of about 1.58% 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 Henderson County, Illinois?
Henderson 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 $104,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $62,227 (FHFA; Census ACS 2020–2024).
What is the median home value in Henderson County, Illinois?
The median owner-occupied home value in Henderson County is $104,400 (ACS 2020–2024), versus $263,300 statewide.
Do I need a jumbo loan in Henderson County?
Only if your loan amount exceeds $832,750 for a one-unit home; the county median home value is $104,400, so the cap is 7.98 times the typical home value.
Related
- 2026 conforming loan limit: Hamilton County, IL
- 2026 conforming loan limit: Hancock County, IL
- 2026 conforming loan limit: Hardin 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
- 2026 conforming loan limit: Jefferson County, IL
Last updated Oct 18, 2026, 10:02 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: Hamilton County, IL
- 2026 conforming loan limit: Hancock County, IL
- 2026 conforming loan limit: Hardin County, IL
- 2026 conforming loan limit: Henry County, IL
- 2026 conforming loan limit: Iroquois County, IL
- 2026 conforming loan limit: Jackson County, IL
- Mortgage rates today (Freddie Mac weekly average)