Mortgage lender in McHenry County, IL

Buying in McHenry County

McHenry County, with its county seat in Woodstock, also takes in Crystal Lake, McHenry, Algonquin, Lake in the Hills, Huntley and Cary. McHenry County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Illinois, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$541,287 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

attorneys and a title company

State housing agency

Illinois Housing Development Authority (IHDA) (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. McHenry County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

McHenry County: the outer northwest suburbs

The southeastern corner, including Crystal Lake, Algonquin, Lake in the Hills and Cary, is suburban and tied to the commuter rail. Huntley has a very large community for residents 55 and older, where association dues and age rules apply. Prices are lower than in the counties closer to Chicago.

Along the Fox River and the lakes around McHenry and Johnsburg, some homes are in a mapped flood zone and some began as seasonal cottages, which an appraiser will look at. The western half of the county, around Harvard and Marengo, is farmland, with wells, septic systems and many addresses inside the USDA eligibility map.

McHenry County by the numbers

Median home value

$308,100 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 2.36% of home value a year: median tax bill $7,274 on a median value of $308,100 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

State transfer tax of 50 cents per $500 of the price; counties and many municipalities add their own (35 ILCS 200/31-10)

Largest communities

Crystal Lake, Lake in the Hills, McHenry, Woodstock (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $308,100. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Illinois

Closings in Illinois are typically handled by an attorneys and a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Illinois page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions McHenry County buyers ask

Illinois notice. For licensing information, go to: www.nmlsconsumeraccess.org. Stellar Mortgage Corporation, NMLS #2190975. Steve Umansky, NMLS #61764.

Limits shown are the 2026 FHFA and HUD figures for McHenry County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.