Shelby County, Illinois has a 2026 one-unit conforming loan limit of $832,750, which is 6.1 times the county's median home value of $137,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $72,095 (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) | $137,100 |
| Illinois median home value | $263,300 |
| Limit ÷ median home value | 6.07× |
| Median household income | $72,095 |
| Median home value ÷ income | 1.9× |
| Population | 20,720 |
| Median property tax paid (owners) | $2,063 |
| Effective property tax rate (approx.) | 1.50% |
| Owner-occupied homes | 78.4% |
| Home value rank in Illinois | 49 of 102 counties |
| Neighbor: Christian County, IL | limit $832,750; median home $115,500 |
| Neighbor: Coles County, IL | limit $832,750; median home $127,400 |
| Neighbor: Cumberland County, IL | limit $832,750; median home $126,000 |
| Neighbor: Effingham County, IL | limit $832,750; median home $189,500 |
| Neighbor: Fayette County, IL | limit $832,750; median home $130,700 |
| Neighbor: Macon County, IL | limit $832,750; median home $127,300 |
| Neighbor: Montgomery County, IL | limit $832,750; median home $112,300 |
| Neighbor: Moultrie County, IL | limit $832,750; median home $134,000 |
Across Illinois's 102 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Shelby County's median home value is 48% below the state median of $263,300 (rank 49 of 102). Among its 8 neighboring counties, Effingham County has the highest median home value ($189,500) and Montgomery County the lowest ($112,300); all share the same loan limit. Owners pay a median $2,063 a year in property tax, an effective rate of about 1.50% 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: Sheboygan County, WI
- 2026 conforming loan limit: Shelby County, AL
- 2026 conforming loan limit: Shelby County, IA
- 2026 conforming loan limit: Shelby County, IN
- 2026 conforming loan limit: Shelby County, KY
- 2026 conforming loan limit: Shelby County, MO
- 2026 conforming loan limit: Shelby County, OH
- 2026 conforming loan limit: Shelby County, TN
Last updated 2026-10-16. Data only, not financial or tax advice.