Edgar County, Illinois home prices
Typical home $110,427 · +1.0% in a year · property tax 1.45%
The typical home in Edgar County is worth $110,427, 63% less than the Illinois typical home ($295,943). Values changed +1.0% in the past year and -4.6% over five years. Homeowners here pay a median 1.45% of their home's value in property tax each year ($1,599 on the typical home), versus 1.92% statewide.
Mortgage on the typical Edgar County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $22,085 | $88,342 | $594 | $0 | $188 | $783 | $33,500 |
| 10% down | $11,043 | $99,385 | $669 | $41 | $188 | $898 | $38,500 |
| 5% down | $5,521 | $104,906 | $706 | $44 | $188 | $938 | $40,200 |
| 3.5% down (FHA) | $3,865 | $108,427 | $729 | $49 | $188 | $967 | $41,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.45% 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 |
|---|---|---|---|
| Franklin County | $112,382 | +5.1% | 1.57% |
| Clay County | $106,056 | +4.5% | 1.43% |
| Hancock County | $115,014 | +2.5% | 1.81% |
| Mason County | $105,470 | +15.7% | 2.09% |
| Massac County | $117,414 | +3.1% | 1.4% |
| White County | $117,551 | +7.7% | 1.34% |
| Warren County | $118,135 | -0.0% | 1.81% |
| Edwards County | $118,550 | +0.6% | 1.45% |
| Perry County | $118,878 | +0.9% | 1.6% |
| Lawrence County | $101,917 | -7.4% | 1.18% |
Frequently asked questions
What is the average home price in Edgar County, IL?
The typical home value in Edgar County is $110,427 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Edgar County?
About $33,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Edgar County?
The median effective rate is 1.45% of home value a year (Census ACS 2024 5-year estimates).