Saint Clair County, Illinois home prices
Typical home $177,682 · +1.2% in a year · property tax 2.03%
The typical home in Saint Clair County is worth $177,682, 40% less than the Illinois typical home ($295,943). Values changed +1.2% in the past year and +18.9% over five years. Homeowners here pay a median 2.03% of their home's value in property tax each year ($3,612 on the typical home), versus 1.92% statewide.
Mortgage on the typical Saint Clair County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $35,536 | $142,146 | $956 | $0 | $390 | $1,346 | $57,700 |
| 10% down | $17,768 | $159,914 | $1,076 | $67 | $390 | $1,532 | $65,700 |
| 5% down | $8,884 | $168,798 | $1,136 | $70 | $390 | $1,596 | $68,400 |
| 3.5% down (FHA) | $6,219 | $174,464 | $1,174 | $79 | $390 | $1,642 | $70,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.03% 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 |
|---|---|---|---|
| Mercer County | $175,685 | +7.8% | 1.96% |
| Livingston County | $172,343 | +10.9% | 2.05% |
| Henry County | $171,732 | +8.0% | 1.99% |
| Cumberland County | $171,136 | +9.2% | 1.59% |
| Johnson County | $184,345 | -3.5% | 1.24% |
| Jasper County | $170,549 | +11.1% | 1.95% |
| Moultrie County | $185,755 | +7.2% | 1.8% |
| Adams County | $186,171 | +6.6% | 1.58% |
| Washington County | $167,931 | +10.0% | 1.87% |
| Lee County | $188,606 | +6.6% | 1.97% |
Frequently asked questions
What is the average home price in Saint Clair County, IL?
The typical home value in Saint Clair County is $177,682 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Saint Clair County?
About $57,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Saint Clair County?
The median effective rate is 2.03% of home value a year (Census ACS 2024 5-year estimates).