Ford County, Illinois home prices
Typical home $157,181 · +3.3% in a year · property tax 2.12%
The typical home in Ford County is worth $157,181, 47% less than the Illinois typical home ($295,943). Values changed +3.3% in the past year and +27.2% over five years. Homeowners here pay a median 2.12% of their home's value in property tax each year ($3,333 on the typical home), versus 1.92% statewide.
Mortgage on the typical Ford County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $31,436 | $125,745 | $846 | $0 | $356 | $1,202 | $51,500 |
| 10% down | $15,718 | $141,463 | $952 | $59 | $356 | $1,367 | $58,600 |
| 5% down | $7,859 | $149,322 | $1,005 | $62 | $356 | $1,423 | $61,000 |
| 3.5% down (FHA) | $5,501 | $154,335 | $1,038 | $70 | $356 | $1,464 | $62,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.12% 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 |
|---|---|---|---|
| Rock Island County | $156,822 | +3.9% | 2.28% |
| Williamson County | $157,730 | +0.1% | 1.72% |
| Bureau County | $155,598 | +6.5% | 2.01% |
| Iroquois County | $159,371 | +0.4% | 1.82% |
| Schuyler County | $159,625 | +7.8% | 1.78% |
| Fayette County | $154,533 | +3.1% | 1.45% |
| Pope County | $159,950 | +11.3% | 1.03% |
| Stephenson County | $160,455 | +8.4% | 2.4% |
| Douglas County | $161,023 | +5.6% | 1.7% |
| Carroll County | $161,686 | +9.7% | 1.99% |
Frequently asked questions
What is the average home price in Ford County, IL?
The typical home value in Ford County is $157,181 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Ford County?
About $51,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Ford County?
The median effective rate is 2.12% of home value a year (Census ACS 2024 5-year estimates).