States · Illinois · Coles County

Charleston, Illinois.

Typical home $165,733 (+5.1% in a year), asking rent $762 . Charleston-Mattoon, IL metro.

What it costs per month · Charleston $870/mo

to buy the typical home at today's mortgage rate — +$450 (+107%) since Jan 2020.

What the home itself did
1 year
Up $8,101 +5%
$157,632$165,733 since Sep 2025
5 years
Up $39,684 +31%
$126,049$165,733 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.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 Charleston $870 Illinois $1,553 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • Charleston$870
  • Illinois$1,553
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 13 years.

Typical home values in Charleston, IL rose 5.1% over the past year — faster than the nation's +1.2%.

Living in Charleston, Coles County, Illinois

Charleston is a city of 17,286 people in Coles County. Half its households earn more than $49,300 a year and half less, against $56,478 across Coles County; 26% of its people live below the poverty line. 48% of its homes are lived in by their owners and 52% are rented. Unemployment in Coles County was 3.2% in August 2026, and the county had 1.3% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then shops.

People 17,286 in the 2020 census; median age 29.6
Household income $49,300 the median, give or take $5,782 · Coles County: $56,478
Unemployment 3.2% Coles County, August 2026; 4.3% a year before
Homes 48% lived in by their owners; 52% rented

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 It can be wrong or out of date.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. Charleston is a college town in Coles County, and it reads young: the typical resident is far younger than in most American towns, and fewer homes are lived in by their owners than rented, which means more renters than across much of the country. Incomes sit below the county's, and a good share of residents live below the poverty line. Homes and rents are modest in price, and a four-year degree is more common here than in many places of its size. Winters are cold, with January highs near freezing and lows well below it, and the town sees a fair amount of snow; summers turn hot in July, and rain and melted snow add up to a good deal over the year.

Work. Schools, hospitals and social care employ more local residents than any other field, followed by shops, then restaurants, hotels and entertainment. The biggest workplaces in town are Eastern Illinois University, Charleston CUSD 1 and Walmart. Across Coles County there are somewhat fewer jobs than a year earlier, and unemployment is lower now than it was a year ago. Commutes are short, and only a small share of people work from home.

Things to do. Lake Charleston, a reservoir in or beside town, is the closest place for time on the water, and O'Brien Stadium is also in or beside town. A short drive away are Lincoln Log Cabin State Historic Site, a protected area tied to the Lincoln family, and Fox Ridge State Park, a protected area for walking and being outdoors. For a longer drive, Walnut Point State Park is another protected area.

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  • 7,447households
  • 33%of adults have a degree
  • 26%below the poverty line
  • 15 mintypical commute
  • 9%work from home

What residents work in

  • Schools, hospitals and social care36%
  • Shops (retail)15%
  • Restaurants, hotels and entertainment13%
  • Other services8%
  • Manufacturing8%
  • Professional and business services5%

Employed residents by industry, from the Census survey. Coles County had 23,624 jobs in 2025, 1.3% fewer than the year before (Bureau of Labor Statistics).

Weather through the year

Average daily high and low for each month: coldest in January, 38° and 21°; warmest in July, 88° and 66° 20° 40° 60° 80° J 38° 21° F M A M J J 88° 66° A S O N D
Average daily high and low for each month: coldest in January, 38° and 21°; warmest in July, 88° and 66° 20° 40° 60° 80° J 38° 21° F M A M J J 88° 66° A S O N D

Coldest in January, with highs near 38° and lows near 21°; warmest in July, with highs near 88° and lows near 66°. About 19 inches of snow and 44 inches of rain and melted snow a year.

Average daily high and low, 1991–2020, at the Charleston weather station, under a mile away (NOAA).

Largest workplaces in Charleston

  1. Eastern Illinois UniversityUniversity or college1,191
  2. Charleston CUSD 1School district386FTE
  3. WalmartWarehouse clubs and supercenters305
  4. Eastern IL Area of Spec Educ SchoolsSchool district254FTE
  5. Hilltop Skilled Nursing and RehabilitationNursing homes84
  6. KCJ ConsultingScreen printing apparel and textile products75
  7. Villas of Holly Brook - CharlestonAssisted living facilities for the elderly72
  8. Niemann Foods64

Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 18 workplaces with 20 or more staff, 1,112 people in all. Colleges come from IPEDS (NCES, 2023–24) and school districts from the Common Core of Data (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

  1. Inland floodingVery high
  2. Winter weatherRelatively high
  3. Cold wavesRelatively high
  4. TornadoesRelatively high
  5. EarthquakesRelatively moderate
  6. HailRelatively moderate

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Charleston’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 Coles County and the Charleston-Mattoon, IL metro.

Charleston home values

Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.

$100,000 $200,000 $300,000 2018 2020 2022 2024 2026 Charleston $165,733 Illinois $295,943 United States $366,157
$100,000 $200,000 $300,000 2018 2022 2026
  • Charleston$165,733
  • Illinois$295,943
  • United States$366,157
Property tax, 2026 roll $2,291/yr median bill inside Charleston, effective 1.25% of estimated value — current assessment rolls, AssessorSearch Data Lab, quality-gated against the county's official figures

Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.

Sellers are cutting prices on about 1 in 5 Charleston listings, and the typical home goes pending in 7 days — the market is roughly in balance.

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.

JFMAMJJASOND
2026
2025
2024
2023
2022
2021
2020
2019
2018
falling flat warming hot overheating runaway

Market heat, inside the city limits

Share of listings with a price cut

The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.

10% 15% 20% 25% 2018 2019 2020 2021 2022 2023 2024 2025 2026 Charleston 20.92% United States 26.90%
10% 15% 20% 25% 2018 2022 2026
  • Charleston20.92%
  • United States26.90%

Days to pending

How long the typical listing takes to go under contract.

10 15 20 25 2026 Charleston 7 United States 24
10 15 20 25 2026
  • Charleston7
  • United States24

Homes for sale

Active for-sale inventory. More supply hands power to buyers.

50 100 150 2018 2019 2020 2021 2022 2023 2024 2025 2026 Charleston 54
50 100 150 2018 2022 2026
  • Charleston54

New listings per month

Sellers arriving at the market.

10 20 30 40 2018 2019 2020 2021 2022 2023 2024 2025 2026 Charleston 25
10 20 30 40 2018 2022 2026
  • Charleston25

Median sale price

What buyers actually paid — closed sales, not asking prices.

$150,000 $200,000 $250,000 $300,000 $350,000 2026 Charleston $155,556 United States $371,407
$150,000 $200,000 $250,000 $300,000 $350,000 2026
  • Charleston$155,556
  • United States$371,407

Zip codes with a Charleston address

A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Charleston — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.

Zip codes in Charleston