Jersey County, Illinois home prices
Typical home $203,810 · +3.9% in a year · property tax 1.76%
The typical home in Jersey County is worth $203,810, 31% less than the Illinois typical home ($295,943). Values changed +3.9% in the past year and +25.0% over five years. Homeowners here pay a median 1.76% of their home's value in property tax each year ($3,581 on the typical home), versus 1.92% statewide.
Mortgage on the typical Jersey County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $40,762 | $163,048 | $1,097 | $0 | $400 | $1,497 | $64,200 |
| 10% down | $20,381 | $183,429 | $1,234 | $76 | $400 | $1,711 | $73,300 |
| 5% down | $10,191 | $193,620 | $1,302 | $81 | $400 | $1,783 | $76,400 |
| 3.5% down (FHA) | $7,133 | $200,119 | $1,346 | $90 | $400 | $1,837 | $78,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.76% 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 |
|---|---|---|---|
| Sangamon County | $200,144 | +7.5% | 1.99% |
| Calhoun County | $198,789 | +7.3% | 1.39% |
| Menard County | $209,256 | +7.0% | 1.72% |
| Madison County | $197,597 | +5.3% | 1.92% |
| Winnebago County | $211,111 | +8.9% | 2.39% |
| La Salle County | $194,863 | +5.4% | 2.11% |
| Tazewell County | $189,622 | +6.5% | 2.11% |
| Effingham County | $218,457 | +3.5% | 1.49% |
| Putnam County | $189,069 | +3.8% | 1.57% |
| Lee County | $188,606 | +6.6% | 1.97% |
Frequently asked questions
What is the average home price in Jersey County, IL?
The typical home value in Jersey County is $203,810 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Jersey County?
About $64,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Jersey County?
The median effective rate is 1.76% of home value a year (Census ACS 2024 5-year estimates).