[verb (plain)] + と言っても [i-adj] + と言っても [na-adj] + (だ)と言っても [noun] + (だ)と言っても
と言っても takes back part of what a statement suggests: "I say X, but", "X, though not as much as you'd think". It follows a plain-form clause, and a noun or な-adjective can drop だ before it. The second half says how modest the reality is.
The statement can also be someone else's, or what a word would make you expect.
In casual speech と言っても becomes といったって or っていって言っても. とはいっても adds は and is slightly more emphatic.