Quincy, IL home prices
Typical home $189,198 · +6.9% in a year · income needed $58,400
The Quincy, IL metro area ranks 683 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +6.9% in a year and +18.5% over five years. With 20% down at 7.11%, the typical home costs about $1,362 a month including 1.58% property tax (Adams County rate).
Mortgage on the typical Quincy home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $37,840 | $151,359 | $1,018 | $0 | $344 | $1,362 | $58,400 |
| 10% down | $18,920 | $170,279 | $1,145 | $71 | $344 | $1,561 | $66,900 |
| 5% down | $9,460 | $179,739 | $1,209 | $75 | $344 | $1,628 | $69,800 |
| 3.5% down (FHA) | $6,622 | $185,772 | $1,250 | $84 | $344 | $1,677 | $71,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.58% 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 Quincy area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Adams County, IL | $186,171 | +6.6% | 1.58% |
| Lewis County, MO | $211,970 | +9.7% | 0.71% |
What can you afford in Illinois on your salary? · Illinois home prices · Salaries in Illinois
Frequently asked questions
How much is a house in Quincy?
The typical home in the Quincy, IL metro area is worth $189,198 (Zillow, September 2026).
What salary do you need to buy a house in Quincy?
About $58,400 a year for the typical home with 20% down at 7.11%.