Clinton County, Illinois home prices
Typical home $225,207 · +6.4% in a year · property tax 1.83%
The typical home in Clinton County is worth $225,207, 24% less than the Illinois typical home ($295,943). Values changed +6.4% in the past year and +31.4% over five years. Homeowners here pay a median 1.83% of their home's value in property tax each year ($4,125 on the typical home), versus 1.92% statewide.
Mortgage on the typical Clinton County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,041 | $180,166 | $1,212 | $0 | $456 | $1,668 | $71,500 |
| 10% down | $22,521 | $202,687 | $1,363 | $84 | $456 | $1,904 | $81,600 |
| 5% down | $11,260 | $213,947 | $1,439 | $89 | $456 | $1,985 | $85,100 |
| 3.5% down (FHA) | $7,882 | $221,128 | $1,488 | $100 | $456 | $2,043 | $87,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.83% 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 |
|---|---|---|---|
| Kankakee County | $227,163 | +6.0% | 2.21% |
| Effingham County | $218,457 | +3.5% | 1.49% |
| Woodford County | $235,906 | +8.9% | 2.13% |
| Ogle County | $238,006 | +8.4% | 2.06% |
| Champaign County | $238,398 | +5.0% | 2.06% |
| Winnebago County | $211,111 | +8.9% | 2.39% |
| Menard County | $209,256 | +7.0% | 1.72% |
| Piatt County | $242,033 | +3.1% | 1.81% |
| Jo Daviess County | $246,045 | +3.4% | 1.72% |
| Jersey County | $203,810 | +3.9% | 1.76% |
Frequently asked questions
What is the average home price in Clinton County, IL?
The typical home value in Clinton County is $225,207 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Clinton County?
About $71,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Clinton County?
The median effective rate is 1.83% of home value a year (Census ACS 2024 5-year estimates).