Girard, Illinois.
Typical home $158,030 (+8.5% in a year). St. Louis, MO-IL metro.
to buy the typical home at today's mortgage rate — +$328 (+65%) since Jan 2020.
- 1 year
- Up $12,384 +9%
- $145,646$158,030 since Sep 2025
- 5 years
- Up $17,920 +13%
- $140,110$158,030 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.
- Girard$829
- Illinois$1,553
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 29 years.
Typical home values in Girard, IL rose 8.5% over the past year — faster than the nation's +1.2%.
Living in Girard, Macoupin County, Illinois
Girard is a city of 1,785 people in Macoupin County. Unemployment in Macoupin County was 3.8% in August 2026, and the county had 2.3% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 24 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 It can be wrong or out of date.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. Girard is a small city in Macoupin County, and it feels like one: a compact town where people tend to know one another. Homes here cost well below what is typical across much of the country, and household incomes across the county sit a little below the national picture. Few adults hold a four-year degree, which fits a town whose working life centers on schools, health care, shops and manufacturing.
Work. Residents work mostly in schools, hospitals and social care, followed by shops, manufacturing, and restaurants, hotels and entertainment. Across Macoupin County, the largest workplaces include Carlinville Area Hospital, the Carlinville school district and North Mac school district. Jobs across the county slipped a little last year, though unemployment there has eased compared with a year earlier, and the typical commute is a moderate drive.
Things to do. Otter Lake is a lake a short drive away, and it is the nearest of the places people head to outdoors. A longer drive brings you to history, including the Lincoln Home National Historic Site and the Old State Capitol State Historic Site, both museums. Lake Springfield, a reservoir, is also a longer drive away. Winters are cold and snowy, summers are warm, and rain and melted snow are fairly plentiful through the year.
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- 662households
- 11%of adults have a degree
- 25 mintypical commute
- 12%work from home
What residents work in
Employed residents by industry, from the Census survey. Macoupin County had 9,921 jobs in 2025, 2.3% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 36° and lows near 21°; warmest in July, with highs near 87° and lows near 68°. About 16 inches of snow and 38 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Virden weather station, 4 miles away (NOAA).
Largest workplaces in Macoupin County
- Carlinville Area HospitalCritical access hospital240FTE
- Carlinville CUSD 1School district206FTE
- North Mac CUSD 34School district194FTE
- WalmartWarehouse clubs and supercenters182
- Gillespie CUSD 7School district176FTE
- Staunton CUSD 6School district165FTE
- Blackburn CollegeUniversity or college149
- Mount Olive Container129
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 33 workplaces with 20 or more staff, 2,077 people in all across the county; Girard has two 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
- LightningVery high
- Strong windRelatively high
- Heat wavesRelatively high
- Cold wavesRelatively high
- HailRelatively high
- TornadoesRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Girard’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 Macoupin County and the St. Louis, MO-IL metro.
Girard home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Girard$158,030
- 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.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Girard8
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Girard address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Girard — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.