Illinois home prices and mortgage costs
Typical home value $295,943 · +5.3% in a year · property tax 1.92%
Typical home value
$295,943
Payment (20% down)
$2,214
Income needed
$94,900
Illinois ranks 35th most expensive of 51 states and D.C. Home values changed +5.3% over the past year and +29.6% over five years. Buying the typical home with 20% down costs about $2,214 a month at 7.11%, which needs a household income of about $94,900.
Cost of the typical Illinois home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $59,189 | $236,755 | $1,593 | $0 | $622 | $2,214 | $94,900 |
| 10% down | $29,594 | $266,349 | $1,792 | $111 | $622 | $2,524 | $108,200 |
| 5% down | $14,797 | $281,146 | $1,891 | $117 | $622 | $2,630 | $112,700 |
| 3.5% down (FHA) | $10,358 | $290,583 | $1,955 | $131 | $622 | $2,707 | $116,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.92% 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.
Check a specific budget: how much house you can afford in Illinois by salary · payment on a $300K home in Illinois
Home prices by county in Illinois
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| DuPage County | $437,880 | +4.3% | 2.05% | $3,322 | $142,400 |
| Lake County | $398,052 | +6.0% | 2.58% | $3,197 | $137,000 |
| Kendall County | $395,398 | +3.2% | 2.37% | $3,108 | $133,200 |
| Kane County | $383,834 | +5.0% | 2.26% | $2,980 | $127,700 |
| Will County | $376,285 | +2.8% | 2.24% | $2,917 | $125,000 |
| McHenry County | $367,683 | +4.7% | 2.36% | $2,886 | $123,700 |
| Cook County | $340,258 | +6.0% | 1.91% | $2,542 | $109,000 |
| Grundy County | $322,819 | +3.6% | 1.99% | $2,435 | $104,400 |
| Monroe County | $322,053 | +2.3% | 1.63% | $2,331 | $99,900 |
| DeKalb County | $294,833 | +5.0% | 2.45% | $2,337 | $100,100 |
| Boone County | $286,262 | +6.4% | 2.18% | $2,204 | $94,500 |
| McLean County | $260,569 | +1.9% | 2.17% | $2,004 | $85,900 |
| Jo Daviess County | $246,045 | +3.4% | 1.72% | $1,800 | $77,100 |
| Piatt County | $242,033 | +3.1% | 1.81% | $1,788 | $76,600 |
| Champaign County | $238,398 | +5.0% | 2.06% | $1,811 | $77,600 |
| Ogle County | $238,006 | +8.4% | 2.06% | $1,808 | $77,500 |
| Woodford County | $235,906 | +8.9% | 2.13% | $1,807 | $77,400 |
| Kankakee County | $227,163 | +6.0% | 2.21% | $1,755 | $75,200 |
| Clinton County | $225,207 | +6.4% | 1.83% | $1,668 | $71,500 |
| Effingham County | $218,457 | +3.5% | 1.49% | $1,556 | $66,700 |
| Winnebago County | $211,111 | +8.9% | 2.39% | $1,662 | $71,200 |
| Menard County | $209,256 | +7.0% | 1.72% | $1,531 | $65,600 |
| Jersey County | $203,810 | +3.9% | 1.76% | $1,497 | $64,200 |
| Sangamon County | $200,144 | +7.5% | 1.99% | $1,509 | $64,700 |
| Calhoun County | $198,789 | +7.3% | 1.39% | $1,399 | $59,900 |
| Madison County | $197,597 | +5.3% | 1.92% | $1,478 | $63,300 |
| La Salle County | $194,863 | +5.4% | 2.11% | $1,489 | $63,800 |
| Tazewell County | $189,622 | +6.5% | 2.11% | $1,449 | $62,100 |
| Putnam County | $189,069 | +3.8% | 1.57% | $1,359 | $58,200 |
| Lee County | $188,606 | +6.6% | 1.97% | $1,419 | $60,800 |
| Adams County | $186,171 | +6.6% | 1.58% | $1,340 | $57,400 |
| Moultrie County | $185,755 | +7.2% | 1.8% | $1,371 | $58,800 |
| Johnson County | $184,345 | -3.5% | 1.24% | $1,275 | $54,600 |
| Saint Clair County | $177,682 | +1.2% | 2.03% | $1,346 | $57,700 |
| Mercer County | $175,685 | +7.8% | 1.96% | $1,321 | $56,600 |
| Livingston County | $172,343 | +10.9% | 2.05% | $1,307 | $56,000 |
| Henry County | $171,732 | +8.0% | 1.99% | $1,295 | $55,500 |
| Cumberland County | $171,136 | +9.2% | 1.59% | $1,233 | $52,900 |
| Jasper County | $170,549 | +11.1% | 1.95% | $1,280 | $54,900 |
| Washington County | $167,931 | +10.0% | 1.87% | $1,249 | $53,500 |
| Peoria County | $166,288 | +5.8% | 2.24% | $1,289 | $55,200 |
| Brown County | $166,141 | +1.6% | 1.52% | $1,188 | $50,900 |
| Shelby County | $165,331 | +4.6% | 1.5% | $1,180 | $50,600 |
| Dewitt County | $163,837 | +9.6% | 1.78% | $1,207 | $51,700 |
| Bond County | $163,686 | +9.9% | 1.89% | $1,220 | $52,300 |
| Carroll County | $161,686 | +9.7% | 1.99% | $1,219 | $52,200 |
| Douglas County | $161,023 | +5.6% | 1.7% | $1,175 | $50,400 |
| Stephenson County | $160,455 | +8.4% | 2.4% | $1,265 | $54,200 |
| Pope County | $159,950 | +11.3% | 1.03% | $1,078 | $46,200 |
| Schuyler County | $159,625 | +7.8% | 1.78% | $1,175 | $50,400 |
| Iroquois County | $159,371 | +0.4% | 1.82% | $1,179 | $50,500 |
| Williamson County | $157,730 | +0.1% | 1.72% | $1,154 | $49,400 |
| Ford County | $157,181 | +3.3% | 2.12% | $1,202 | $51,500 |
| Rock Island County | $156,822 | +3.9% | 2.28% | $1,220 | $52,300 |
| Bureau County | $155,598 | +6.5% | 2.01% | $1,176 | $50,400 |
| Fayette County | $154,533 | +3.1% | 1.45% | $1,096 | $47,000 |
| Randolph County | $151,574 | +6.6% | 1.43% | $1,072 | $45,900 |
| Clark County | $151,351 | +10.6% | 1.56% | $1,087 | $46,600 |
| Union County | $150,664 | +0.2% | 1.3% | $1,049 | $45,000 |
| Jefferson County | $147,115 | +8.4% | 1.7% | $1,074 | $46,000 |
| Whiteside County | $146,857 | +3.5% | 2.04% | $1,114 | $47,700 |
| Coles County | $145,077 | +5.4% | 1.94% | $1,088 | $46,600 |
| Macoupin County | $144,350 | +2.3% | 1.5% | $1,029 | $44,100 |
| Marshall County | $143,851 | +8.1% | 1.94% | $1,078 | $46,200 |
| Logan County | $142,869 | +7.4% | 1.77% | $1,052 | $45,100 |
| Stark County | $142,649 | +8.8% | 1.69% | $1,040 | $44,600 |
| Richland County | $140,972 | +8.6% | 1.58% | $1,015 | $43,500 |
| Wabash County | $137,029 | +4.3% | 1.41% | $967 | $41,400 |
| Montgomery County | $136,570 | +6.1% | 1.68% | $994 | $42,600 |
| Crawford County | $136,455 | -5.0% | 1.49% | $972 | $41,700 |
| Morgan County | $136,343 | +3.6% | 1.76% | $1,002 | $43,000 |
| Christian County | $136,066 | +4.6% | 1.64% | $986 | $42,300 |
| Jackson County | $131,916 | +6.3% | 1.84% | $978 | $41,900 |
| Henderson County | $125,477 | +5.4% | 1.58% | $903 | $38,700 |
| Wayne County | $125,180 | +3.5% | 1.49% | $892 | $38,200 |
| Macon County | $124,658 | +4.2% | 2.12% | $953 | $40,900 |
| Marion County | $124,595 | +6.9% | 1.71% | $910 | $39,000 |
| Greene County | $123,704 | +3.6% | 1.74% | $907 | $38,900 |
| Fulton County | $121,016 | +5.4% | 2.14% | $927 | $39,700 |
| Pike County | $120,686 | +5.3% | 1.53% | $864 | $37,000 |
| Knox County | $120,138 | +11.8% | 1.96% | $903 | $38,700 |
| Hamilton County | $119,299 | -2.5% | 1.33% | $834 | $35,700 |
| Perry County | $118,878 | +0.9% | 1.6% | $858 | $36,800 |
| Edwards County | $118,550 | +0.6% | 1.45% | $841 | $36,000 |
| Warren County | $118,135 | -0.0% | 1.81% | $873 | $37,400 |
| White County | $117,551 | +7.7% | 1.34% | $822 | $35,200 |
| Massac County | $117,414 | +3.1% | 1.4% | $827 | $35,500 |
| Hancock County | $115,014 | +2.5% | 1.81% | $850 | $36,400 |
| Franklin County | $112,382 | +5.1% | 1.57% | $808 | $34,600 |
| Edgar County | $110,427 | +1.0% | 1.45% | $783 | $33,500 |
| Clay County | $106,056 | +4.5% | 1.43% | $750 | $32,100 |
| Mason County | $105,470 | +15.7% | 2.09% | $804 | $34,500 |
| Lawrence County | $101,917 | -7.4% | 1.18% | $700 | $30,000 |
| Vermilion County | $101,321 | +3.0% | 1.81% | $749 | $32,100 |
| McDonough County | $101,292 | +3.4% | 2.13% | $775 | $33,200 |
| Hardin County | $100,652 | +0.2% | 0.96% | $673 | $28,800 |
| Cass County | $98,765 | +2.1% | 2.02% | $747 | $32,000 |
| Pulaski County | $96,562 | -5.5% | 1.02% | $650 | $27,900 |
| Scott County | $94,533 | -3.8% | 1.5% | $674 | $28,900 |
| Saline County | $92,182 | -1.3% | 1.69% | $672 | $28,800 |
| Gallatin County | $89,782 | -3.8% | 1.57% | $646 | $27,700 |
| Alexander County | $59,675 | -14.6% | 1.81% | $441 | $18,900 |
Metro areas in Illinois
Frequently asked questions
What is the average home price in Illinois?
The typical home in Illinois is worth $295,943 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in Illinois?
About $94,900 a year to buy the typical $295,943 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in Illinois?
The typical effective rate is 1.92% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).