Scott County, Illinois home prices
Typical home $94,533 · -3.8% in a year · property tax 1.5%
The typical home in Scott County is worth $94,533, 68% less than the Illinois typical home ($295,943). Values changed -3.8% in the past year and -42.2% over five years. Homeowners here pay a median 1.5% of their home's value in property tax each year ($1,418 on the typical home), versus 1.92% statewide.
Mortgage on the typical Scott County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $18,907 | $75,626 | $509 | $0 | $165 | $674 | $28,900 |
| 10% down | $9,453 | $85,079 | $572 | $35 | $165 | $773 | $33,100 |
| 5% down | $4,727 | $89,806 | $604 | $37 | $165 | $807 | $34,600 |
| 3.5% down (FHA) | $3,309 | $92,820 | $624 | $42 | $165 | $832 | $35,600 |
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 Jacksonville metro area.
Illinois counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Pulaski County | $96,562 | -5.5% | 1.02% |
| Saline County | $92,182 | -1.3% | 1.69% |
| Cass County | $98,765 | +2.1% | 2.02% |
| Gallatin County | $89,782 | -3.8% | 1.57% |
| Hardin County | $100,652 | +0.2% | 0.96% |
| McDonough County | $101,292 | +3.4% | 2.13% |
| Vermilion County | $101,321 | +3.0% | 1.81% |
| Lawrence County | $101,917 | -7.4% | 1.18% |
| Mason County | $105,470 | +15.7% | 2.09% |
| Clay County | $106,056 | +4.5% | 1.43% |
Frequently asked questions
What is the average home price in Scott County, IL?
The typical home value in Scott County is $94,533 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Scott County?
About $28,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Scott County?
The median effective rate is 1.5% of home value a year (Census ACS 2024 5-year estimates).