Livingston County, Illinois home prices
Typical home $172,343 · +10.9% in a year · property tax 2.05%
The typical home in Livingston County is worth $172,343, 42% less than the Illinois typical home ($295,943). Values changed +10.9% in the past year and +46.8% over five years. Homeowners here pay a median 2.05% of their home's value in property tax each year ($3,524 on the typical home), versus 1.92% statewide.
Mortgage on the typical Livingston County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $34,469 | $137,875 | $927 | $0 | $380 | $1,307 | $56,000 |
| 10% down | $17,234 | $155,109 | $1,043 | $65 | $380 | $1,488 | $63,800 |
| 5% down | $8,617 | $163,726 | $1,101 | $68 | $380 | $1,549 | $66,400 |
| 3.5% down (FHA) | $6,032 | $169,222 | $1,138 | $76 | $380 | $1,594 | $68,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.05% 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 Pontiac metro area.
Illinois counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Henry County | $171,732 | +8.0% | 1.99% |
| Cumberland County | $171,136 | +9.2% | 1.59% |
| Jasper County | $170,549 | +11.1% | 1.95% |
| Mercer County | $175,685 | +7.8% | 1.96% |
| Washington County | $167,931 | +10.0% | 1.87% |
| Saint Clair County | $177,682 | +1.2% | 2.03% |
| Peoria County | $166,288 | +5.8% | 2.24% |
| Brown County | $166,141 | +1.6% | 1.52% |
| Shelby County | $165,331 | +4.6% | 1.5% |
| Dewitt County | $163,837 | +9.6% | 1.78% |
Frequently asked questions
What is the average home price in Livingston County, IL?
The typical home value in Livingston County is $172,343 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Livingston County?
About $56,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Livingston County?
The median effective rate is 2.05% of home value a year (Census ACS 2024 5-year estimates).