Richland County, Illinois has a 2026 one-unit conforming loan limit of $832,750, which is 7.4 times the county's median home value of $112,000, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $62,455 (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) | $112,000 |
| Illinois median home value | $263,300 |
| Limit ÷ median home value | 7.44× |
| Median household income | $62,455 |
| Median home value ÷ income | 1.8× |
| Population | 15,598 |
| Median property tax paid (owners) | $1,769 |
| Effective property tax rate (approx.) | 1.58% |
| Owner-occupied homes | 73.8% |
| Home value rank in Illinois | 75 of 102 counties |
| Neighbor: Clay County, IL | limit $832,750; median home $97,400 |
| Neighbor: Crawford County, IL | limit $832,750; median home $121,100 |
| Neighbor: Edwards County, IL | limit $832,750; median home $100,000 |
| Neighbor: Jasper County, IL | limit $832,750; median home $125,500 |
| Neighbor: Lawrence County, IL | limit $832,750; median home $99,100 |
| Neighbor: Wabash County, IL | limit $832,750; median home $104,900 |
| Neighbor: Wayne County, IL | limit $832,750; median home $110,700 |
Across Illinois's 102 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Richland County's median home value is 57% below the state median of $263,300 (rank 75 of 102). Among its 7 neighboring counties, Jasper County has the highest median home value ($125,500) and Clay County the lowest ($97,400); all share the same loan limit. Owners pay a median $1,769 a year in property tax, an effective rate of about 1.58% 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: Rice County, MN
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- 2026 conforming loan limit: Richardson County, NE
- 2026 conforming loan limit: Richland County, MT
- 2026 conforming loan limit: Richland County, ND
- 2026 conforming loan limit: Richland County, OH
- 2026 conforming loan limit: Richland County, SC
- 2026 conforming loan limit: Richland County, WI
Last updated 2026-10-16. Data only, not financial or tax advice.