White County, Illinois home prices
Typical home $117,551 · +7.7% in a year · property tax 1.34%
The typical home in White County is worth $117,551, 60% less than the Illinois typical home ($295,943). Values changed +7.7% in the past year and -10.7% over five years. Homeowners here pay a median 1.34% of their home's value in property tax each year ($1,570 on the typical home), versus 1.92% statewide.
Mortgage on the typical White County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $23,510 | $94,041 | $633 | $0 | $190 | $822 | $35,200 |
| 10% down | $11,755 | $105,796 | $712 | $44 | $190 | $945 | $40,500 |
| 5% down | $5,878 | $111,674 | $751 | $47 | $190 | $987 | $42,300 |
| 3.5% down (FHA) | $4,114 | $115,422 | $776 | $52 | $190 | $1,018 | $43,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.34% 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 |
|---|---|---|---|
| Massac County | $117,414 | +3.1% | 1.4% |
| Warren County | $118,135 | -0.0% | 1.81% |
| Edwards County | $118,550 | +0.6% | 1.45% |
| Perry County | $118,878 | +0.9% | 1.6% |
| Hamilton County | $119,299 | -2.5% | 1.33% |
| Hancock County | $115,014 | +2.5% | 1.81% |
| Knox County | $120,138 | +11.8% | 1.96% |
| Pike County | $120,686 | +5.3% | 1.53% |
| Fulton County | $121,016 | +5.4% | 2.14% |
| Franklin County | $112,382 | +5.1% | 1.57% |
Frequently asked questions
What is the average home price in White County, IL?
The typical home value in White County is $117,551 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in White County?
About $35,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in White County?
The median effective rate is 1.34% of home value a year (Census ACS 2024 5-year estimates).