Mason County, Illinois home prices
Typical home $105,470 · +15.7% in a year · property tax 2.09%
The typical home in Mason County is worth $105,470, 64% less than the Illinois typical home ($295,943). Values changed +15.7% in the past year and +10.7% over five years. Homeowners here pay a median 2.09% of their home's value in property tax each year ($2,205 on the typical home), versus 1.92% statewide.
Mortgage on the typical Mason County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $21,094 | $84,376 | $568 | $0 | $237 | $804 | $34,500 |
| 10% down | $10,547 | $94,923 | $639 | $40 | $237 | $915 | $39,200 |
| 5% down | $5,274 | $100,197 | $674 | $42 | $237 | $952 | $40,800 |
| 3.5% down (FHA) | $3,691 | $103,560 | $697 | $47 | $237 | $980 | $42,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.09% 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 |
|---|---|---|---|
| Clay County | $106,056 | +4.5% | 1.43% |
| Lawrence County | $101,917 | -7.4% | 1.18% |
| Vermilion County | $101,321 | +3.0% | 1.81% |
| McDonough County | $101,292 | +3.4% | 2.13% |
| Hardin County | $100,652 | +0.2% | 0.96% |
| Edgar County | $110,427 | +1.0% | 1.45% |
| Cass County | $98,765 | +2.1% | 2.02% |
| Franklin County | $112,382 | +5.1% | 1.57% |
| Pulaski County | $96,562 | -5.5% | 1.02% |
| Hancock County | $115,014 | +2.5% | 1.81% |
Frequently asked questions
What is the average home price in Mason County, IL?
The typical home value in Mason County is $105,470 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Mason County?
About $34,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Mason County?
The median effective rate is 2.09% of home value a year (Census ACS 2024 5-year estimates).