St. Clair County, Illinois has a 2026 one-unit conforming loan limit of $832,750, which is 4.6 times the county's median home value of $180,300, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $73,854 (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) | $180,300 |
| Illinois median home value | $263,300 |
| Limit ÷ median home value | 4.62× |
| Median household income | $73,854 |
| Median home value ÷ income | 2.4× |
| Population | 253,694 |
| Median property tax paid (owners) | $3,665 |
| Effective property tax rate (approx.) | 2.03% |
| Owner-occupied homes | 68.4% |
| Home value rank in Illinois | 23 of 102 counties |
| Neighbor: Clinton County, IL | limit $832,750; median home $192,400 |
| Neighbor: Madison County, IL | limit $832,750; median home $173,000 |
| Neighbor: Monroe County, IL | limit $832,750; median home $282,100 |
| Neighbor: Randolph County, IL | limit $832,750; median home $135,100 |
| Neighbor: Washington County, IL | limit $832,750; median home $155,700 |
| Neighbor: St. Louis County, MO | limit $832,750; median home $276,800 |
| Neighbor: St. Louis City, MO | limit $832,750; median home $197,500 |
Across Illinois's 102 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. St. Clair County's median home value is 32% below the state median of $263,300 (rank 23 of 102). Among its 7 neighboring counties, Monroe County has the highest median home value ($282,100) and Randolph County the lowest ($135,100); all share the same loan limit. Owners pay a median $3,665 a year in property tax, an effective rate of about 2.03% 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: St. Charles County, MO
- 2026 conforming loan limit: St. Charles Parish, LA
- 2026 conforming loan limit: St. Clair County, AL
- 2026 conforming loan limit: St. Clair County, MI
- 2026 conforming loan limit: St. Clair County, MO
- 2026 conforming loan limit: St. Croix County, WI
- 2026 conforming loan limit: St. Croix Island, VI
- 2026 conforming loan limit: St. Francis County, AR
Last updated 2026-10-16. Data only, not financial or tax advice.