Mclean 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 $208,400, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $79,905 (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) | $208,400 |
| Illinois median home value | $263,300 |
| Limit ÷ median home value | 4.00× |
| Median household income | $79,905 |
| Median home value ÷ income | 2.6× |
| Population | 171,556 |
| Median property tax paid (owners) | $4,524 |
| Effective property tax rate (approx.) | 2.17% |
| Owner-occupied homes | 65.1% |
| Home value rank in Illinois | 14 of 102 counties |
| Neighbor: Champaign County, IL | limit $832,750; median home $211,500 |
| Neighbor: De Witt County, IL | limit $832,750; median home $130,300 |
| Neighbor: Ford County, IL | limit $832,750; median home $122,000 |
| Neighbor: Livingston County, IL | limit $832,750; median home $142,200 |
| Neighbor: Logan County, IL | limit $832,750; median home $134,400 |
| Neighbor: Piatt County, IL | limit $832,750; median home $180,600 |
| Neighbor: Tazewell County, IL | limit $832,750; median home $167,500 |
| Neighbor: Woodford County, IL | limit $832,750; median home $197,600 |
Across Illinois's 102 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Mclean County's median home value is 21% below the state median of $263,300 (rank 14 of 102). Among its 8 neighboring counties, Champaign County has the highest median home value ($211,500) and Ford County the lowest ($122,000); all share the same loan limit. Owners pay a median $4,524 a year in property tax, an effective rate of about 2.17% 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.