Stephenson County, Illinois has a 2026 one-unit conforming loan limit of $832,750, which is 6.2 times the county's median home value of $134,900, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $64,043 (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) | $134,900 |
| Illinois median home value | $263,300 |
| Limit ÷ median home value | 6.17× |
| Median household income | $64,043 |
| Median home value ÷ income | 2.1× |
| Population | 43,768 |
| Median property tax paid (owners) | $3,240 |
| Effective property tax rate (approx.) | 2.40% |
| Owner-occupied homes | 70.9% |
| Home value rank in Illinois | 51 of 102 counties |
| Neighbor: Carroll County, IL | limit $832,750; median home $114,500 |
| Neighbor: Jo Daviess County, IL | limit $832,750; median home $209,900 |
| Neighbor: Ogle County, IL | limit $832,750; median home $189,200 |
| Neighbor: Winnebago County, IL | limit $832,750; median home $164,500 |
| Neighbor: Green County, WI | limit $832,750; median home $250,200 |
| Neighbor: Lafayette County, WI | limit $832,750; median home $194,500 |
Across Illinois's 102 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Stephenson County's median home value is 49% below the state median of $263,300 (rank 51 of 102). Among its 6 neighboring counties, Green County has the highest median home value ($250,200) and Carroll County the lowest ($114,500); all share the same loan limit. Owners pay a median $3,240 a year in property tax, an effective rate of about 2.40% 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: Stephens County, GA
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- 2026 conforming loan limit: Stevens County, KS
- 2026 conforming loan limit: Stevens County, MN
Last updated 2026-10-16. Data only, not financial or tax advice.