Jefferson County, Illinois home prices
Typical home $147,115 · +8.4% in a year · property tax 1.7%
The typical home in Jefferson County is worth $147,115, 50% less than the Illinois typical home ($295,943). Values changed +8.4% in the past year and +20.2% over five years. Homeowners here pay a median 1.7% of their home's value in property tax each year ($2,508 on the typical home), versus 1.92% statewide.
Mortgage on the typical Jefferson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $29,423 | $117,692 | $792 | $0 | $283 | $1,074 | $46,000 |
| 10% down | $14,711 | $132,403 | $891 | $55 | $283 | $1,228 | $52,600 |
| 5% down | $7,356 | $139,759 | $940 | $58 | $283 | $1,281 | $54,900 |
| 3.5% down (FHA) | $5,149 | $144,450 | $972 | $65 | $283 | $1,319 | $56,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.7% 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 Mount Vernon metro area.
Illinois counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Whiteside County | $146,857 | +3.5% | 2.04% |
| Coles County | $145,077 | +5.4% | 1.94% |
| Macoupin County | $144,350 | +2.3% | 1.5% |
| Marshall County | $143,851 | +8.1% | 1.94% |
| Union County | $150,664 | +0.2% | 1.3% |
| Clark County | $151,351 | +10.6% | 1.56% |
| Logan County | $142,869 | +7.4% | 1.77% |
| Randolph County | $151,574 | +6.6% | 1.43% |
| Stark County | $142,649 | +8.8% | 1.69% |
| Richland County | $140,972 | +8.6% | 1.58% |
Frequently asked questions
What is the average home price in Jefferson County, IL?
The typical home value in Jefferson County is $147,115 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Jefferson County?
About $46,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Jefferson County?
The median effective rate is 1.7% of home value a year (Census ACS 2024 5-year estimates).