Illinois.
35th most expensive state. Typical home $295,943 (+5.3% in a year), estimated payment $1,631 a month. As of Sep 2026.
to buy the typical home at today's mortgage rate — +$830 (+115%) since Jan 2020.
- 1 year
- Up $14,863 +5%
- $281,080$295,943 since Sep 2025
- 5 years
- Up $67,604 +30%
- $228,340$295,943 since Sep 2021
- 10 years
- Up $120,457 +69%
- $175,487$295,943 since Sep 2016
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.
- 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 Illinois rose 5.3% over the past year — faster than the nation's +1.2%.
Buying the typical Illinois home now takes 23% of the median household income ($83,390/yr, ACS 2020–2024) — the standard affordability line is 30%.
Share of median income needed to buy
Monthly payment for the typical home against the local median household income. Income is an annual survey, stepped — the saw-teeth are survey years, not markets.
- Illinois22.35%
- United States28.57%
Illinois home values
Zillow Home Value Index against the national figure. Mid-tier homes, smoothed and seasonally adjusted.
- Illinois$295,943
- United States$366,157
Metros in Illinois
Largest first, by population. Zillow publishes rent for fewer metros than home values, so a dash means no series — not a market at zero.
| # | Metro activate to sort by Metro | Rent activate to sort by Rent | 1-yr Δ activate to sort by 1-yr Δ | Home value sorted descending, activate to sort ascending | 1-yr Δ activate to sort by 1-yr Δ |
|---|---|---|---|---|---|
| 1 | Chicago | $2,163 | +4.7% | $355,650 | +5.0% |
| 2 | Bloomington | $1,292 | +4.3% | $260,593 | +1.9% |
| 3 | Champaign | $1,384 | +4.9% | $239,230 | +4.9% |
| 4 | Rochelle | $1,062 | — | $238,025 | +8.4% |
| 5 | Kankakee | $1,327 | +5.7% | $227,165 | +6.0% |
| 6 | Rockford | $1,299 | +7.0% | $222,178 | +8.5% |
| 7 | Effingham | — | — | $218,377 | +3.5% |
| 8 | Springfield | $1,207 | +3.5% | $200,781 | +7.4% |
| 9 | Davenport | $1,003 | +4.2% | $194,778 | +4.8% |
| 10 | Quincy | $1,059 | +8.0% | $189,198 | +6.9% |
| 11 | Dixon | $1,108 | — | $188,696 | +6.6% |
| 12 | Peoria | $1,157 | +4.8% | $174,845 | +6.4% |
| 13 | Pontiac | $1,126 | — | $172,314 | +11.0% |
| 14 | Freeport | $923 | +33.3% | $160,510 | +8.5% |
| 15 | Carbondale | $811 | +5.1% | $151,421 | +1.5% |
| 16 | Charleston | $771 | — | $150,737 | +6.2% |
| 17 | Mount Vernon | $992 | — | $147,218 | +8.4% |
| 18 | Sterling | $769 | — | $146,821 | +3.4% |
| 19 | Taylorville | — | — | $136,067 | +4.5% |
| 20 | Jacksonville | — | — | $130,480 | +2.4% |
| 21 | Decatur | $1,059 | +5.1% | $124,660 | +4.2% |
| 22 | Centralia | — | — | $124,586 | +6.9% |
| 23 | Galesburg | $853 | — | $120,132 | +11.8% |
| 24 | Danville | $886 | +1.9% | $101,326 | +3.0% |
| 25 | Ottawa | $1,154 | +5.0% | — | — |
Go deeper: every zip in Illinois.