Putnam County, Illinois has a 2026 one-unit conforming loan limit of $832,750, which is 4.8 times the county's median home value of $172,700, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $75,590 (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) | $172,700 |
| Illinois median home value | $263,300 |
| Limit ÷ median home value | 4.82× |
| Median household income | $75,590 |
| Median home value ÷ income | 2.3× |
| Population | 5,601 |
| Median property tax paid (owners) | $2,705 |
| Effective property tax rate (approx.) | 1.57% |
| Owner-occupied homes | 81.5% |
| Home value rank in Illinois | 26 of 102 counties |
| Neighbor: Bureau County, IL | limit $832,750; median home $126,900 |
| Neighbor: Lasalle County, IL | limit $832,750; median home $161,900 |
| Neighbor: Marshall County, IL | limit $832,750; median home $142,800 |
Across Illinois's 102 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Putnam County's median home value is 34% below the state median of $263,300 (rank 26 of 102). Among its 3 neighboring counties, Lasalle County has the highest median home value ($161,900) and Bureau County the lowest ($126,900); all share the same loan limit. Owners pay a median $2,705 a year in property tax, an effective rate of about 1.57% 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.