Chapin, Illinois.
Typical home $116,109 (-2.2% in a year). Jacksonville, IL metro.
to buy the typical home at today's mortgage rate — +$212 (+53%) since Jan 2020.
- 1 year
- Down $2,617 -2%
- $118,726$116,109 since Sep 2025
- 5 years
- Up $7,471 +7%
- $108,638$116,109 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Chapin$609
- Illinois$1,553
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 52 years.
Typical home values in Chapin, IL fell 2.2% over the past year — slower than the nation's +1.2%.
Living in Chapin, Morgan County, Illinois
Chapin is a village of 475 people in Morgan County. Half its households earn more than $72,269 a year and half less, against $66,306 across Morgan County; 4% of its people live below the poverty line. 88% of its homes are lived in by their owners and 12% are rented. Unemployment in Morgan County was 3.5% in August 2026, and the county had 1.9% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Chapin is a small village in Morgan County, Illinois, and one of the smaller places in the county. Its residents are younger than in many small towns, and household incomes run above the county's, with very few people living below the poverty line. Almost everyone owns the home they live in, and homes are modestly priced. Fewer adults hold a four-year degree than not, and few work from home.
Work. Residents work mostly in schools, hospitals and social care, with manufacturing, shops and government also employing many. Across Morgan County, the largest workplaces include Jacksonville Memorial Hospital, Jacksonville Schools and Illinois College. Unemployment in the county has eased over the past year, and the county has added jobs.
Things to do. The Paul Findley Congressional Office Museum is a short drive away. A longer drive brings you to the La Moine River and the Meredosia National Wildlife Refuge, a protected area for walking and watching wildlife. Winters are cold and summers warm, with a fair amount of rain and melted snow through the year, so outings suit the milder seasons best.
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- 219households
- 26%of adults have a degree
- 4%below the poverty line
- 6%work from home
What residents work in
Employed residents by industry, from the Census survey. Morgan County had 14,194 jobs in 2025, 1.9% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 36° and lows near 18°; warmest in July, with highs near 87° and lows near 65°. About 40 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Winchester weather station, 10 miles away (NOAA).
Largest workplaces in Morgan County
- Jacksonville Memorial HospitalCritical access hospital553FTE
- Reynolds Consumer Product- West sitePolyethylene film and unlaminated sheet manufacturing482
- Reynolds Consumer ProductsFilm, plastics, manufacturing450
- WalmartWarehouse clubs and supercenters416
- Jacksonville SD 117School district393FTE
- Illinois CollegeUniversity or college287
- Hertzberg New MethodBookbinding machines manufacturing210
- Pathway Services UnlimitedGroup homes, intellectual and developmental disability205
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 41 workplaces with 20 or more staff, 5,015 people in all across the county; Chapin has none of its own. Hospitals come from their Medicare cost reports (CMS, 2023), school districts from the Common Core of Data (NCES, 2023–24) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Cold wavesVery high
- Strong windVery high
- DroughtRelatively high
- Inland floodingRelatively high
- Heat wavesRelatively high
- HailRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Chapin’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Morgan County and the Jacksonville, IL metro.
Chapin home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Chapin$116,109
- Illinois$295,943
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Zip codes with a Chapin address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Chapin — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.