Mchenry County, Illinois has a 2026 one-unit conforming loan limit of $832,750, which is 2.7 times the county's median home value of $308,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $104,802 (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) | $308,100 |
| Illinois median home value | $263,300 |
| Limit ÷ median home value | 2.70× |
| Median household income | $104,802 |
| Median home value ÷ income | 2.9× |
| Population | 312,591 |
| Median property tax paid (owners) | $7,274 |
| Effective property tax rate (approx.) | 2.36% |
| Owner-occupied homes | 82.7% |
| Home value rank in Illinois | 7 of 102 counties |
| Neighbor: Boone County, IL | limit $832,750; median home $216,900 |
| Neighbor: Cook County, IL | limit $832,750; median home $324,500 |
| Neighbor: Dekalb County, IL | limit $832,750; median home $243,600 |
| Neighbor: Kane County, IL | limit $832,750; median home $327,000 |
| Neighbor: Lake County, IL | limit $832,750; median home $345,700 |
| Neighbor: Kenosha County, WI | limit $832,750; median home $265,500 |
| Neighbor: Walworth County, WI | limit $832,750; median home $302,700 |
Across Illinois's 102 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Mchenry County's median home value is 17% above the state median of $263,300 (rank 7 of 102). Among its 7 neighboring counties, Lake County has the highest median home value ($345,700) and Boone County the lowest ($216,900); all share the same loan limit. Owners pay a median $7,274 a year in property tax, an effective rate of about 2.36% 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.