Carroll County, Illinois home prices
Typical home $161,686 · +9.7% in a year · property tax 1.99%
The typical home in Carroll County is worth $161,686, 45% less than the Illinois typical home ($295,943). Values changed +9.7% in the past year and +48.0% over five years. Homeowners here pay a median 1.99% of their home's value in property tax each year ($3,215 on the typical home), versus 1.92% statewide.
Mortgage on the typical Carroll County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $32,337 | $129,349 | $870 | $0 | $349 | $1,219 | $52,200 |
| 10% down | $16,169 | $145,517 | $979 | $61 | $349 | $1,388 | $59,500 |
| 5% down | $8,084 | $153,602 | $1,033 | $64 | $349 | $1,446 | $62,000 |
| 3.5% down (FHA) | $5,659 | $158,758 | $1,068 | $72 | $349 | $1,488 | $63,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.99% 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.
Illinois counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Douglas County | $161,023 | +5.6% | 1.7% |
| Stephenson County | $160,455 | +8.4% | 2.4% |
| Pope County | $159,950 | +11.3% | 1.03% |
| Bond County | $163,686 | +9.9% | 1.89% |
| Schuyler County | $159,625 | +7.8% | 1.78% |
| Dewitt County | $163,837 | +9.6% | 1.78% |
| Iroquois County | $159,371 | +0.4% | 1.82% |
| Shelby County | $165,331 | +4.6% | 1.5% |
| Williamson County | $157,730 | +0.1% | 1.72% |
| Brown County | $166,141 | +1.6% | 1.52% |
Frequently asked questions
What is the average home price in Carroll County, IL?
The typical home value in Carroll County is $161,686 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Carroll County?
About $52,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Carroll County?
The median effective rate is 1.99% of home value a year (Census ACS 2024 5-year estimates).