Winnebago County, Illinois has a 2026 one-unit conforming loan limit of $832,750, which is 5.1 times the county's median home value of $164,500, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $65,837 (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) | $164,500 |
| Illinois median home value | $263,300 |
| Limit ÷ median home value | 5.06× |
| Median household income | $65,837 |
| Median home value ÷ income | 2.5× |
| Population | 283,292 |
| Median property tax paid (owners) | $3,930 |
| Effective property tax rate (approx.) | 2.39% |
| Owner-occupied homes | 65.9% |
| Home value rank in Illinois | 29 of 102 counties |
| Neighbor: Boone County, IL | limit $832,750; median home $216,900 |
| Neighbor: Dekalb County, IL | limit $832,750; median home $243,600 |
| Neighbor: Ogle County, IL | limit $832,750; median home $189,200 |
| Neighbor: Stephenson County, IL | limit $832,750; median home $134,900 |
| Neighbor: Green County, WI | limit $832,750; median home $250,200 |
| Neighbor: Rock County, WI | limit $832,750; median home $231,600 |
Across Illinois's 102 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Winnebago County's median home value is 38% below the state median of $263,300 (rank 29 of 102). Among its 6 neighboring counties, Green County has the highest median home value ($250,200) and Stephenson County the lowest ($134,900); all share the same loan limit. Owners pay a median $3,930 a year in property tax, an effective rate of about 2.39% 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: Winkler County, TX
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- 2026 conforming loan limit: Winnebago County, IA
- 2026 conforming loan limit: Winnebago County, WI
- 2026 conforming loan limit: Winneshiek County, IA
- 2026 conforming loan limit: Winona County, MN
- 2026 conforming loan limit: Winston County, AL
- 2026 conforming loan limit: Winston County, MS
Last updated 2026-10-16. Data only, not financial or tax advice.