Johnson County, Illinois home prices
Typical home $184,345 · -3.5% in a year · property tax 1.24%
The typical home in Johnson County is worth $184,345, 38% less than the Illinois typical home ($295,943). Values changed -3.5% in the past year and +17.4% over five years. Homeowners here pay a median 1.24% of their home's value in property tax each year ($2,288 on the typical home), versus 1.92% statewide.
Mortgage on the typical Johnson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $36,869 | $147,476 | $992 | $0 | $283 | $1,275 | $54,600 |
| 10% down | $18,434 | $165,910 | $1,116 | $69 | $283 | $1,468 | $62,900 |
| 5% down | $9,217 | $175,128 | $1,178 | $73 | $283 | $1,534 | $65,700 |
| 3.5% down (FHA) | $6,452 | $181,006 | $1,218 | $82 | $283 | $1,582 | $67,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.24% 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 Carbondale metro area.
Illinois counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Moultrie County | $185,755 | +7.2% | 1.8% |
| Adams County | $186,171 | +6.6% | 1.58% |
| Lee County | $188,606 | +6.6% | 1.97% |
| Putnam County | $189,069 | +3.8% | 1.57% |
| Tazewell County | $189,622 | +6.5% | 2.11% |
| Saint Clair County | $177,682 | +1.2% | 2.03% |
| Mercer County | $175,685 | +7.8% | 1.96% |
| La Salle County | $194,863 | +5.4% | 2.11% |
| Livingston County | $172,343 | +10.9% | 2.05% |
| Henry County | $171,732 | +8.0% | 1.99% |
Frequently asked questions
What is the average home price in Johnson County, IL?
The typical home value in Johnson County is $184,345 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Johnson County?
About $54,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Johnson County?
The median effective rate is 1.24% of home value a year (Census ACS 2024 5-year estimates).