Macoupin County, Illinois home prices
Typical home $144,350 · +2.3% in a year · property tax 1.5%
The typical home in Macoupin County is worth $144,350, 51% less than the Illinois typical home ($295,943). Values changed +2.3% in the past year and +9.0% over five years. Homeowners here pay a median 1.5% of their home's value in property tax each year ($2,165 on the typical home), versus 1.92% statewide.
Mortgage on the typical Macoupin County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $28,870 | $115,480 | $777 | $0 | $253 | $1,029 | $44,100 |
| 10% down | $14,435 | $129,915 | $874 | $54 | $253 | $1,181 | $50,600 |
| 5% down | $7,217 | $137,132 | $922 | $57 | $253 | $1,232 | $52,800 |
| 3.5% down (FHA) | $5,052 | $141,735 | $953 | $64 | $253 | $1,270 | $54,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.5% 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 |
|---|---|---|---|
| Marshall County | $143,851 | +8.1% | 1.94% |
| Coles County | $145,077 | +5.4% | 1.94% |
| Logan County | $142,869 | +7.4% | 1.77% |
| Stark County | $142,649 | +8.8% | 1.69% |
| Whiteside County | $146,857 | +3.5% | 2.04% |
| Jefferson County | $147,115 | +8.4% | 1.7% |
| Richland County | $140,972 | +8.6% | 1.58% |
| Union County | $150,664 | +0.2% | 1.3% |
| Clark County | $151,351 | +10.6% | 1.56% |
| Randolph County | $151,574 | +6.6% | 1.43% |
Frequently asked questions
What is the average home price in Macoupin County, IL?
The typical home value in Macoupin County is $144,350 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Macoupin County?
About $44,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Macoupin County?
The median effective rate is 1.5% of home value a year (Census ACS 2024 5-year estimates).