Niantic, Illinois.
Typical home $137,705 (+2.5% in a year). Decatur, IL metro.
to buy the typical home at today's mortgage rate — +$345 (+92%) since Jan 2020.
- 1 year
- Up $3,323 +2%
- $134,382$137,705 since Sep 2025
- 5 years
- Up $23,559 +21%
- $114,147$137,705 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.
- Niantic$723
- Illinois$1,553
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 18 years.
Typical home values in Niantic, IL rose 2.5% over the past year — faster than the nation's +1.2%.
Living in Niantic, Macon County, Illinois
Niantic is a village of 612 people in Macon County. Half its households earn more than $67,155 a year and half less, against $62,666 across Macon County; 8% of its people live below the poverty line. 89% of its homes are lived in by their owners and 11% are rented. Unemployment in Macon County was 5.1% in August 2026, and the county had 0.3% 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 It can be wrong or out of date.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. Niantic is a very small village, and nearly everyone who lives here owns their home, a much higher share than is typical across the county. Household incomes run a little above the county's, and fewer people live below the poverty line than you might expect for a place this size. Winters are cold, with a fair amount of snow, and summers turn warm, with rain and melted snow spread through the year.
Work. Residents work mostly in schools, hospitals and social care, with many others in manufacturing, in banks, insurance and property, and in professional and business services. Across Macon County, the largest workplaces include Decatur Memorial Hospital, Archer Daniels Midland Company and the Decatur school district. Few adults here hold a four-year degree, and the typical commute is a moderate one; only a small number work from home.
Things to do. A short drive away, Lincoln Trail Homestead State Memorial is a protected area with ties to the Lincoln family, and Spring Creek and Stevens Creek offer river scenery close to home. For a longer outing, Lincoln Home National Historic Site is a museum in Springfield, and Lake Springfield is a reservoir with room for time on the water.
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- 220households
- 8%of adults have a degree
- 8%below the poverty line
- 24 mintypical commute
- 5%work from home
What residents work in
Employed residents by industry, from the Census survey. Macon County had 45,164 jobs in 2025, 0.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 34° and lows near 20°; warmest in July, with highs near 85° and lows near 66°. About 14 inches of snow and 40 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Decatur Wtp weather station, 12 miles away (NOAA).
Largest workplaces in Macon County
- Decatur Memorial HospitalGeneral hospital1,615FTE
- Archer Daniels Midland Company942
- Decatur SD 61School district654FTE
- Archer Daniels Midland Company650
- Ameren IllinoisElectric power transmission, control, and distribution468
- Bodine Electric of DecaturLow voltage electrical work464
- Help At HomeHomemaker's service for elderly or disabled persons, non-medical464
- PrimientWet milling corn and other vegetables450
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 122 workplaces with 20 or more staff, 16,057 people in all across the county; Niantic has none of its own. Hospitals come from their Medicare cost reports (CMS, 2023) 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
- DroughtRelatively high
- Strong windRelatively high
- Cold wavesRelatively high
- TornadoesRelatively high
- HailRelatively moderate
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Niantic’s census tracts, against the rest of the country; all of them together, relatively moderate. 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 Macon County and the Decatur, IL metro.
Niantic home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Niantic$137,705
- 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 Niantic address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Niantic — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.