Clark County, Illinois home prices
Typical home $151,351 · +10.6% in a year · property tax 1.56%
The typical home in Clark County is worth $151,351, 49% less than the Illinois typical home ($295,943). Values changed +10.6% in the past year and +17.7% over five years. Homeowners here pay a median 1.56% of their home's value in property tax each year ($2,359 on the typical home), versus 1.92% statewide.
Mortgage on the typical Clark County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $30,270 | $121,081 | $815 | $0 | $272 | $1,087 | $46,600 |
| 10% down | $15,135 | $136,216 | $916 | $57 | $272 | $1,245 | $53,400 |
| 5% down | $7,568 | $143,783 | $967 | $60 | $272 | $1,299 | $55,700 |
| 3.5% down (FHA) | $5,297 | $148,609 | $1,000 | $67 | $272 | $1,339 | $57,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.56% 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 |
|---|---|---|---|
| Randolph County | $151,574 | +6.6% | 1.43% |
| Union County | $150,664 | +0.2% | 1.3% |
| Fayette County | $154,533 | +3.1% | 1.45% |
| Jefferson County | $147,115 | +8.4% | 1.7% |
| Bureau County | $155,598 | +6.5% | 2.01% |
| Whiteside County | $146,857 | +3.5% | 2.04% |
| Rock Island County | $156,822 | +3.9% | 2.28% |
| Ford County | $157,181 | +3.3% | 2.12% |
| Coles County | $145,077 | +5.4% | 1.94% |
| Williamson County | $157,730 | +0.1% | 1.72% |
Frequently asked questions
What is the average home price in Clark County, IL?
The typical home value in Clark County is $151,351 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Clark County?
About $46,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Clark County?
The median effective rate is 1.56% of home value a year (Census ACS 2024 5-year estimates).