Jo Daviess County, Illinois has a 2026 one-unit conforming loan limit of $832,750, which is 4.0 times the county's median home value of $209,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $73,993 (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) | $209,900 |
| Illinois median home value | $263,300 |
| Limit ÷ median home value | 3.97× |
| Median household income | $73,993 |
| Median home value ÷ income | 2.8× |
| Population | 21,851 |
| Median property tax paid (owners) | $3,613 |
| Effective property tax rate (approx.) | 1.72% |
| Owner-occupied homes | 80.4% |
| Home value rank in Illinois | 13 of 102 counties |
| Neighbor: Carroll County, IL | limit $832,750; median home $114,500 |
| Neighbor: Stephenson County, IL | limit $832,750; median home $134,900 |
| Neighbor: Dubuque County, IA | limit $832,750; median home $237,300 |
| Neighbor: Jackson County, IA | limit $832,750; median home $175,000 |
| Neighbor: Grant County, WI | limit $832,750; median home $200,700 |
| Neighbor: Lafayette County, WI | limit $832,750; median home $194,500 |
Across Illinois's 102 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Jo Daviess County's median home value is 20% below the state median of $263,300 (rank 13 of 102). Among its 6 neighboring counties, Dubuque County has the highest median home value ($237,300) and Carroll County the lowest ($114,500); all share the same loan limit. Owners pay a median $3,613 a year in property tax, an effective rate of about 1.72% 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
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Last updated 2026-10-16. Data only, not financial or tax advice.