Jacksonville, IL home prices
Typical home $130,480 · +2.4% in a year · income needed $41,100
The Jacksonville, IL metro area ranks 846 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.4% in a year and +14.6% over five years. With 20% down at 7.11%, the typical home costs about $959 a month including 1.76% property tax (Morgan County rate).
Mortgage on the typical Jacksonville home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $26,096 | $104,384 | $702 | $0 | $257 | $959 | $41,100 |
| 10% down | $13,048 | $117,432 | $790 | $49 | $257 | $1,096 | $47,000 |
| 5% down | $6,524 | $123,956 | $834 | $52 | $257 | $1,142 | $49,000 |
| 3.5% down (FHA) | $4,567 | $128,116 | $862 | $58 | $257 | $1,176 | $50,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.76% 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 Jacksonville area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Morgan County, IL | $136,343 | +3.6% | 1.76% |
| Scott County, IL | $94,533 | -3.8% | 1.5% |
What can you afford in Illinois on your salary? · Illinois home prices · Salaries in Illinois
Frequently asked questions
How much is a house in Jacksonville?
The typical home in the Jacksonville, IL metro area is worth $130,480 (Zillow, September 2026).
What salary do you need to buy a house in Jacksonville?
About $41,100 a year for the typical home with 20% down at 7.11%.