Morgan County, Illinois has a 2026 one-unit conforming loan limit of $832,750, which is 6.4 times the county's median home value of $130,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $66,306 (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) | $130,800 |
| Illinois median home value | $263,300 |
| Limit ÷ median home value | 6.37× |
| Median household income | $66,306 |
| Median home value ÷ income | 2.0× |
| Population | 33,021 |
| Median property tax paid (owners) | $2,306 |
| Effective property tax rate (approx.) | 1.76% |
| Owner-occupied homes | 72.8% |
| Home value rank in Illinois | 56 of 102 counties |
| Neighbor: Brown County, IL | limit $832,750; median home $150,300 |
| Neighbor: Cass County, IL | limit $832,750; median home $97,100 |
| Neighbor: Greene County, IL | limit $832,750; median home $95,200 |
| Neighbor: Macoupin County, IL | limit $832,750; median home $138,200 |
| Neighbor: Pike County, IL | limit $832,750; median home $101,400 |
| Neighbor: Sangamon County, IL | limit $832,750; median home $176,300 |
| Neighbor: Scott County, IL | limit $832,750; median home $96,400 |
Across Illinois's 102 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Morgan County's median home value is 50% below the state median of $263,300 (rank 56 of 102). Among its 7 neighboring counties, Sangamon County has the highest median home value ($176,300) and Greene County the lowest ($95,200); all share the same loan limit. Owners pay a median $2,306 a year in property tax, an effective rate of about 1.76% 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: Morgan County, AL
- 2026 conforming loan limit: Morgan County, CO
- 2026 conforming loan limit: Morgan County, GA
- 2026 conforming loan limit: Morgan County, IN
- 2026 conforming loan limit: Morgan County, KY
- 2026 conforming loan limit: Morgan County, MO
- 2026 conforming loan limit: Morgan County, OH
- 2026 conforming loan limit: Morgan County, TN
Last updated 2026-10-16. Data only, not financial or tax advice.