Monroe County, Illinois has a 2026 one-unit conforming loan limit of $832,750, which is 3.0 times the county's median home value of $282,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $102,880 (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) | $282,100 |
| Illinois median home value | $263,300 |
| Limit ÷ median home value | 2.95× |
| Median household income | $102,880 |
| Median home value ÷ income | 2.7× |
| Population | 35,036 |
| Median property tax paid (owners) | $4,588 |
| Effective property tax rate (approx.) | 1.63% |
| Owner-occupied homes | 84.7% |
| Home value rank in Illinois | 8 of 102 counties |
| Neighbor: Randolph County, IL | limit $832,750; median home $135,100 |
| Neighbor: St. Clair County, IL | limit $832,750; median home $180,300 |
| Neighbor: Jefferson County, MO | limit $832,750; median home $237,200 |
| Neighbor: Ste. Genevieve County, MO | limit $832,750; median home $222,200 |
| Neighbor: St. Louis County, MO | limit $832,750; median home $276,800 |
Across Illinois's 102 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Monroe County's median home value is 7% above the state median of $263,300 (rank 8 of 102). Among its 5 neighboring counties, St. Louis County has the highest median home value ($276,800) and Randolph County the lowest ($135,100); all share the same loan limit. Owners pay a median $4,588 a year in property tax, an effective rate of about 1.63% 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: Monroe County, FL
- 2026 conforming loan limit: Monroe County, GA
- 2026 conforming loan limit: Monroe County, IA
- 2026 conforming loan limit: Monroe County, IN
- 2026 conforming loan limit: Monroe County, KY
- 2026 conforming loan limit: Monroe County, MI
- 2026 conforming loan limit: Monroe County, MO
- 2026 conforming loan limit: Monroe County, MS
Last updated 2026-10-16. Data only, not financial or tax advice.