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Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

Mortgage Rates in Illinois | Refinance Rates | HSH Lender Showcase

Illinois Mortgages

Whether you have your sights set on an urban abode in Chicago, an Interior plains farm, or a Lake Michigan vacation retreat, HSH.com can help you make good on your real estate plans.

HSH.com provides the information you need to make good home financing decisions. Find current IL mortgage rates and qualified mortgage lenders who can help you find the right home loan program. The rich archive of Illinois mortgage rates and mortgage calculators available here are tools to help you evaluate your refinancing options, arrange a home equity loan, find private mortgage insurance, or assess home loan options.

Make the right choice in home financing. Research current IL mortgage rates and contact a mortgage lender for lender quotes.

Illinois Conventional Mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2024 Conforming loan limits for Illinois

Select County
County Name One Family Two Family Three Family Four Family
Adams County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Alexander County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Bond County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Boone County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Brown County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Bureau County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Calhoun County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Carroll County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Cass County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Champaign County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Christian County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Clark County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Clay County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Clinton County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Coles County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Cook County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Crawford County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Cumberland County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
De Witt County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Dekalb County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Douglas County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Dupage County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Edgar County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Edwards County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Effingham County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Fayette County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Ford County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Franklin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Fulton County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Gallatin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Greene County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Grundy County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hamilton County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hancock County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hardin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Henderson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Henry County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Iroquois County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Jackson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Jasper County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Jefferson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Jersey County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Jo Daviess County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Johnson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Kane County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Kankakee County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Kendall County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Knox County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lake County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lasalle County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lawrence County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lee County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Livingston County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Logan County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Macon County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Macoupin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Madison County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Marion County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Marshall County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mason County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Massac County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mcdonough County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mchenry County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mclean County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Menard County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mercer County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Monroe County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Montgomery County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Morgan County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Moultrie County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Ogle County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Peoria County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Perry County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Piatt County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Pike County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Pope County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Pulaski County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Putnam County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Randolph County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Richland County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Rock Island County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Saline County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Sangamon County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Schuyler County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Scott County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Shelby County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
St. Clair County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Stark County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Stephenson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Tazewell County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Union County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Vermilion County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Wabash County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Warren County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Washington County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Wayne County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
White County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Whiteside County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Will County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Williamson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Winnebago County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Woodford County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400

Mortgage Rates by State

Mortgage rates by loan term and type

Today's Mortgage Rates
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