Adams County, Illinois home prices
Typical home $186,171 · +6.6% in a year · property tax 1.58%
The typical home in Adams County is worth $186,171, 37% less than the Illinois typical home ($295,943). Values changed +6.6% in the past year and +17.2% over five years. Homeowners here pay a median 1.58% of their home's value in property tax each year ($2,946 on the typical home), versus 1.92% statewide.
Mortgage on the typical Adams County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $37,234 | $148,936 | $1,002 | $0 | $339 | $1,340 | $57,400 |
| 10% down | $18,617 | $167,554 | $1,127 | $70 | $339 | $1,536 | $65,800 |
| 5% down | $9,309 | $176,862 | $1,190 | $74 | $339 | $1,602 | $68,700 |
| 3.5% down (FHA) | $6,516 | $182,799 | $1,230 | $82 | $339 | $1,651 | $70,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.58% 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.
What it takes: see what you can afford by salary in Illinois · part of the Quincy metro area.
Illinois counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Moultrie County | $185,755 | +7.2% | 1.8% |
| Johnson County | $184,345 | -3.5% | 1.24% |
| Lee County | $188,606 | +6.6% | 1.97% |
| Putnam County | $189,069 | +3.8% | 1.57% |
| Tazewell County | $189,622 | +6.5% | 2.11% |
| Saint Clair County | $177,682 | +1.2% | 2.03% |
| La Salle County | $194,863 | +5.4% | 2.11% |
| Mercer County | $175,685 | +7.8% | 1.96% |
| Madison County | $197,597 | +5.3% | 1.92% |
| Calhoun County | $198,789 | +7.3% | 1.39% |
Frequently asked questions
What is the average home price in Adams County, IL?
The typical home value in Adams County is $186,171 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Adams County?
About $57,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Adams County?
The median effective rate is 1.58% of home value a year (Census ACS 2024 5-year estimates).