Jo Daviess County, Illinois home prices
Typical home $246,045 · +3.4% in a year · property tax 1.72%
The typical home in Jo Daviess County is worth $246,045, 17% less than the Illinois typical home ($295,943). Values changed +3.4% in the past year and +43.7% over five years. Homeowners here pay a median 1.72% of their home's value in property tax each year ($4,235 on the typical home), versus 1.92% statewide.
Mortgage on the typical Jo Daviess County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $49,209 | $196,836 | $1,324 | $0 | $476 | $1,800 | $77,100 |
| 10% down | $24,604 | $221,440 | $1,490 | $92 | $476 | $2,058 | $88,200 |
| 5% down | $12,302 | $233,742 | $1,572 | $97 | $476 | $2,146 | $92,000 |
| 3.5% down (FHA) | $8,612 | $241,588 | $1,625 | $109 | $476 | $2,210 | $94,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.72% 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 |
|---|---|---|---|
| Piatt County | $242,033 | +3.1% | 1.81% |
| Champaign County | $238,398 | +5.0% | 2.06% |
| Ogle County | $238,006 | +8.4% | 2.06% |
| Woodford County | $235,906 | +8.9% | 2.13% |
| McLean County | $260,569 | +1.9% | 2.17% |
| Kankakee County | $227,163 | +6.0% | 2.21% |
| Clinton County | $225,207 | +6.4% | 1.83% |
| Effingham County | $218,457 | +3.5% | 1.49% |
| Winnebago County | $211,111 | +8.9% | 2.39% |
| Menard County | $209,256 | +7.0% | 1.72% |
Frequently asked questions
What is the average home price in Jo Daviess County, IL?
The typical home value in Jo Daviess County is $246,045 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Jo Daviess County?
About $77,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Jo Daviess County?
The median effective rate is 1.72% of home value a year (Census ACS 2024 5-year estimates).