IL mortgage rates

Mchenry County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Mchenry County, Illinois. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Mchenry County

Conforming Loan Limits

Per property
1 unit$832,750
2 units$1,066,250
3 units$1,288,800
4 units$1,601,750

FHA Loan Limits

Per property
1 unit$541,287
2 units$693,050
3 units$837,700
4 units$1,041,125

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Mchenry County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate
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Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Mchenry

A local view of the market.

McHenry County, IL, has a robust real estate market, with median home values around $379,000 in 2024. Located in the Chicago metropolitan area, it attracts families and professionals looking for suburban living. Crystal Lake, the largest city, has around 40,000 residents, with shopping, parks, and schools. Woodstock and McHenry are other popular cities with a mix of suburban and rural charm. McHenry County offers a mix of suburban and rural landscapes, with an economy based on healthcare, retail, and manufacturing. Its suburban amenities and access to Chicago make it ideal for families and commuters.

County snapshot

Market context.

IL

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaChicago-Naperville-ElginMapped market area
Area code16980CBSA / MSA reference
Featured communitiesWoodstock · Crystal Lake · AlgonquinFrom the county record
Data year2026Aligned with this limit record
WoodstockCrystal LakeAlgonquin
Top cities & communities

Communities to explore.

WoodstockCrystal LakeAlgonquinHuntleyMcHenry
Questions & Answers

Refinancing in Mchenry County

Common questions about 2026 loan limits and refinancing opportunities in Illinois.

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