Kane County, Illinois home prices
Typical home $383,834 · +5.0% in a year · property tax 2.26%
The typical home in Kane County is worth $383,834, 30% more than the Illinois typical home ($295,943). Values changed +5.0% in the past year and +35.0% over five years. Homeowners here pay a median 2.26% of their home's value in property tax each year ($8,665 on the typical home), versus 1.92% statewide.
Mortgage on the typical Kane County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $76,767 | $307,067 | $2,066 | $0 | $914 | $2,980 | $127,700 |
| 10% down | $38,383 | $345,451 | $2,324 | $144 | $914 | $3,382 | $144,900 |
| 5% down | $19,192 | $364,642 | $2,453 | $152 | $914 | $3,519 | $150,800 |
| 3.5% down (FHA) | $13,434 | $376,882 | $2,535 | $170 | $914 | $3,619 | $155,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.26% 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 Chicago metro area.
Illinois counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Will County | $376,285 | +2.8% | 2.24% |
| Kendall County | $395,398 | +3.2% | 2.37% |
| Lake County | $398,052 | +6.0% | 2.58% |
| McHenry County | $367,683 | +4.7% | 2.36% |
| Cook County | $340,258 | +6.0% | 1.91% |
| DuPage County | $437,880 | +4.3% | 2.05% |
| Grundy County | $322,819 | +3.6% | 1.99% |
| Monroe County | $322,053 | +2.3% | 1.63% |
| DeKalb County | $294,833 | +5.0% | 2.45% |
| Boone County | $286,262 | +6.4% | 2.18% |
Frequently asked questions
What is the average home price in Kane County, IL?
The typical home value in Kane County is $383,834 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Kane County?
About $127,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Kane County?
The median effective rate is 2.26% of home value a year (Census ACS 2024 5-year estimates).