Carbondale, IL home prices
Typical home $151,421 · +1.5% in a year · income needed $47,500
The Carbondale, IL metro area ranks 804 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.5% in a year and +20.0% over five years. With 20% down at 7.11%, the typical home costs about $1,108 a month including 1.72% property tax (Williamson County rate).
Mortgage on the typical Carbondale home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $30,284 | $121,137 | $815 | $0 | $293 | $1,108 | $47,500 |
| 10% down | $15,142 | $136,279 | $917 | $57 | $293 | $1,266 | $54,300 |
| 5% down | $7,571 | $143,850 | $968 | $60 | $293 | $1,320 | $56,600 |
| 3.5% down (FHA) | $5,300 | $148,678 | $1,000 | $67 | $293 | $1,360 | $58,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.72% 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.
Counties in the Carbondale area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Williamson County, IL | $157,730 | +0.1% | 1.72% |
| Jackson County, IL | $131,916 | +6.3% | 1.84% |
| Johnson County, IL | $184,345 | -3.5% | 1.24% |
What can you afford in Illinois on your salary? · Illinois home prices · Salaries in Illinois
Frequently asked questions
How much is a house in Carbondale?
The typical home in the Carbondale, IL metro area is worth $151,421 (Zillow, September 2026).
What salary do you need to buy a house in Carbondale?
About $47,500 a year for the typical home with 20% down at 7.11%.