How much house can I afford on $70,000 in Illinois?
About $218,000 with 20% down ($179,000 with an FHA loan), using Illinois's 1.92% property tax rate.
That is $77,652 less than the typical Illinois home ($295,943), so on $70,000 you'd look at cheaper areas or a smaller home. The payment of $1,633 covers $1,175 principal and interest, $349 property tax and $109 insurance.
Counties in Illinois you can afford on $70,000
82 of 102 counties have a typical home value at or below $218,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Winnebago County | $211,111 | +8.9% | 2.39% |
| Menard County | $209,256 | +7.0% | 1.72% |
| Jersey County | $203,810 | +3.9% | 1.76% |
| Sangamon County | $200,144 | +7.5% | 1.99% |
| Calhoun County | $198,789 | +7.3% | 1.39% |
| Madison County | $197,597 | +5.3% | 1.92% |
| La Salle County | $194,863 | +5.4% | 2.11% |
| Tazewell County | $189,622 | +6.5% | 2.11% |
| Putnam County | $189,069 | +3.8% | 1.57% |
| Lee County | $188,606 | +6.6% | 1.97% |
| Adams County | $186,171 | +6.6% | 1.58% |
| Moultrie County | $185,755 | +7.2% | 1.8% |
| Johnson County | $184,345 | -3.5% | 1.24% |
| Saint Clair County | $177,682 | +1.2% | 2.03% |
| Mercer County | $175,685 | +7.8% | 1.96% |
| Livingston County | $172,343 | +10.9% | 2.05% |
| Henry County | $171,732 | +8.0% | 1.99% |
| Cumberland County | $171,136 | +9.2% | 1.59% |
| Jasper County | $170,549 | +11.1% | 1.95% |
| Washington County | $167,931 | +10.0% | 1.87% |
| Peoria County | $166,288 | +5.8% | 2.24% |
| Brown County | $166,141 | +1.6% | 1.52% |
| Shelby County | $165,331 | +4.6% | 1.5% |
| Dewitt County | $163,837 | +9.6% | 1.78% |
| Bond County | $163,686 | +9.9% | 1.89% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 1.92% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Illinois
Frequently asked questions
How much house can I afford on $70,000 in Illinois?
About $218,000 with 20% down at 7.11%, keeping the payment (with Illinois's 1.92% property tax and insurance) under $1,633 a month.
Is $70,000 enough to buy a house in Illinois?
Not the typical home: the typical Illinois home is worth $295,943 (Zillow, September 2026) and $70,000 supports about $218,000. 82 of 102 counties are within budget.