Bond County, Illinois home prices
Typical home $163,686 · +9.9% in a year · property tax 1.89%
The typical home in Bond County is worth $163,686, 45% less than the Illinois typical home ($295,943). Values changed +9.9% in the past year and +19.9% over five years. Homeowners here pay a median 1.89% of their home's value in property tax each year ($3,086 on the typical home), versus 1.92% statewide.
Mortgage on the typical Bond County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $32,737 | $130,949 | $881 | $0 | $339 | $1,220 | $52,300 |
| 10% down | $16,369 | $147,318 | $991 | $61 | $339 | $1,391 | $59,600 |
| 5% down | $8,184 | $155,502 | $1,046 | $65 | $339 | $1,450 | $62,100 |
| 3.5% down (FHA) | $5,729 | $160,722 | $1,081 | $72 | $339 | $1,493 | $64,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.89% 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 St. Louis metro area.
Illinois counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Dewitt County | $163,837 | +9.6% | 1.78% |
| Shelby County | $165,331 | +4.6% | 1.5% |
| Carroll County | $161,686 | +9.7% | 1.99% |
| Brown County | $166,141 | +1.6% | 1.52% |
| Peoria County | $166,288 | +5.8% | 2.24% |
| Douglas County | $161,023 | +5.6% | 1.7% |
| Stephenson County | $160,455 | +8.4% | 2.4% |
| Pope County | $159,950 | +11.3% | 1.03% |
| Schuyler County | $159,625 | +7.8% | 1.78% |
| Washington County | $167,931 | +10.0% | 1.87% |
Frequently asked questions
What is the average home price in Bond County, IL?
The typical home value in Bond County is $163,686 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Bond County?
About $52,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Bond County?
The median effective rate is 1.89% of home value a year (Census ACS 2024 5-year estimates).