Sangamon County, Illinois home prices
Typical home $200,144 · +7.5% in a year · property tax 1.99%
The typical home in Sangamon County is worth $200,144, 32% less than the Illinois typical home ($295,943). Values changed +7.5% in the past year and +32.7% over five years. Homeowners here pay a median 1.99% of their home's value in property tax each year ($3,987 on the typical home), versus 1.92% statewide.
Mortgage on the typical Sangamon County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $40,029 | $160,115 | $1,077 | $0 | $432 | $1,509 | $64,700 |
| 10% down | $20,014 | $180,130 | $1,212 | $75 | $432 | $1,719 | $73,700 |
| 5% down | $10,007 | $190,137 | $1,279 | $79 | $432 | $1,791 | $76,700 |
| 3.5% down (FHA) | $7,005 | $196,519 | $1,322 | $89 | $432 | $1,843 | $79,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.99% 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 Springfield metro area.
Illinois counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Calhoun County | $198,789 | +7.3% | 1.39% |
| Madison County | $197,597 | +5.3% | 1.92% |
| Jersey County | $203,810 | +3.9% | 1.76% |
| La Salle County | $194,863 | +5.4% | 2.11% |
| Menard County | $209,256 | +7.0% | 1.72% |
| Tazewell County | $189,622 | +6.5% | 2.11% |
| Winnebago County | $211,111 | +8.9% | 2.39% |
| Putnam County | $189,069 | +3.8% | 1.57% |
| Lee County | $188,606 | +6.6% | 1.97% |
| Adams County | $186,171 | +6.6% | 1.58% |
Frequently asked questions
What is the average home price in Sangamon County, IL?
The typical home value in Sangamon County is $200,144 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Sangamon County?
About $64,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Sangamon County?
The median effective rate is 1.99% of home value a year (Census ACS 2024 5-year estimates).