Illinois cost to own a home by county
Monthly PITI benchmarks for Illinois counties, built from county median home values, ACS property-tax estimates, and modeled homeowners insurance.
Illinois overview
Across 102 published counties, the average monthly carrying-cost benchmark is $1,143/mo. The county range runs from $446/mo to $2,956/mo under the shared assumptions.
Mixed confidence Property-tax inputs are Medium confidence county ACS estimates. Insurance inputs are Low confidence modeled budgets because carrier quotes are property-specific.
County monthly carrying-cost table
| County | Median home | Property tax | Insurance | P&I | Estimated total |
|---|---|---|---|---|---|
| Alexander County, Illinois | $59,800 | $1,084/yr | $640/yr | $302/mo | $446/mo |
| Pulaski County, Illinois | $85,100 | $869/yr | $842/yr | $430/mo | $573/mo |
| Gallatin County, Illinois | $82,900 | $1,305/yr | $720/yr | $419/mo | $588/mo |
| Scott County, Illinois | $96,400 | $1,446/yr | $598/yr | $487/mo | $658/mo |
| Franklin County, Illinois | $89,000 | $1,394/yr | $1,107/yr | $450/mo | $658/mo |
| Hardin County, Illinois | $103,800 | $1,001/yr | $690/yr | $525/mo | $666/mo |
| Greene County, Illinois | $95,200 | $1,661/yr | $668/yr | $481/mo | $675/mo |
| Edgar County, Illinois | $97,300 | $1,409/yr | $853/yr | $492/mo | $681/mo |
| Lawrence County, Illinois | $99,100 | $1,174/yr | $982/yr | $501/mo | $681/mo |
| Clay County, Illinois | $97,400 | $1,392/yr | $902/yr | $493/mo | $684/mo |
| Edwards County, Illinois | $100,000 | $1,451/yr | $807/yr | $506/mo | $694/mo |
| Saline County, Illinois | $94,300 | $1,597/yr | $1,092/yr | $477/mo | $701/mo |
| Pike County, Illinois | $101,400 | $1,556/yr | $852/yr | $513/mo | $713/mo |
| Wabash County, Illinois | $104,900 | $1,475/yr | $836/yr | $530/mo | $723/mo |
| Cass County, Illinois | $97,100 | $1,958/yr | $881/yr | $491/mo | $728/mo |
| Henderson County, Illinois | $104,400 | $1,651/yr | $771/yr | $528/mo | $730/mo |
| Stark County, Illinois | $104,500 | $1,768/yr | $686/yr | $528/mo | $733/mo |
| Vermilion County, Illinois | $97,200 | $1,757/yr | $1,193/yr | $492/mo | $737/mo |
| Warren County, Illinois | $105,000 | $1,903/yr | $758/yr | $531/mo | $753/mo |
| White County, Illinois | $108,100 | $1,444/yr | $1,115/yr | $547/mo | $760/mo |
| Marion County, Illinois | $103,000 | $1,759/yr | $1,250/yr | $521/mo | $772/mo |
| Schuyler County, Illinois | $109,700 | $1,950/yr | $756/yr | $555/mo | $780/mo |
| Hamilton County, Illinois | $113,700 | $1,512/yr | $960/yr | $575/mo | $781/mo |
| Wayne County, Illinois | $110,700 | $1,653/yr | $1,022/yr | $560/mo | $783/mo |
| Mason County, Illinois | $103,400 | $2,162/yr | $974/yr | $523/mo | $784/mo |
| Richland County, Illinois | $112,000 | $1,769/yr | $1,087/yr | $566/mo | $804/mo |
| McDonough County, Illinois | $107,500 | $2,285/yr | $965/yr | $544/mo | $814/mo |
| Hancock County, Illinois | $113,800 | $2,059/yr | $963/yr | $575/mo | $827/mo |
| Fulton County, Illinois | $107,200 | $2,289/yr | $1,146/yr | $542/mo | $828/mo |
| Montgomery County, Illinois | $112,300 | $1,887/yr | $1,258/yr | $568/mo | $830/mo |
| Perry County, Illinois | $112,600 | $1,807/yr | $1,321/yr | $569/mo | $830/mo |
| Christian County, Illinois | $115,500 | $1,891/yr | $1,189/yr | $584/mo | $841/mo |
| Knox County, Illinois | $111,900 | $2,190/yr | $1,180/yr | $566/mo | $847/mo |
| Crawford County, Illinois | $121,100 | $1,806/yr | $1,082/yr | $612/mo | $853/mo |
| Carroll County, Illinois | $114,500 | $2,277/yr | $1,042/yr | $579/mo | $856/mo |
| Massac County, Illinois | $121,900 | $1,704/yr | $1,329/yr | $616/mo | $869/mo |
| Cumberland County, Illinois | $126,000 | $2,004/yr | $1,014/yr | $637/mo | $889/mo |
| Ford County, Illinois | $122,000 | $2,587/yr | $985/yr | $617/mo | $915/mo |
| Jasper County, Illinois | $125,500 | $2,448/yr | $956/yr | $635/mo | $918/mo |
| Union County, Illinois | $131,700 | $1,712/yr | $1,370/yr | $666/mo | $923/mo |
| Fayette County, Illinois | $130,700 | $1,894/yr | $1,291/yr | $661/mo | $926/mo |
| Clark County, Illinois | $132,400 | $2,064/yr | $1,081/yr | $669/mo | $932/mo |
| Pope County, Illinois | $143,800 | $1,477/yr | $1,031/yr | $727/mo | $936/mo |
| De Witt County, Illinois | $130,300 | $2,322/yr | $1,084/yr | $659/mo | $943/mo |
| Jefferson County, Illinois | $126,000 | $2,148/yr | $1,530/yr | $637/mo | $944/mo |
| Bureau County, Illinois | $126,900 | $2,548/yr | $1,390/yr | $642/mo | $970/mo |
| Coles County, Illinois | $127,400 | $2,474/yr | $1,478/yr | $644/mo | $974/mo |
| Whiteside County, Illinois | $127,100 | $2,598/yr | $1,428/yr | $643/mo | $978/mo |
| Morgan County, Illinois | $130,800 | $2,306/yr | $1,525/yr | $661/mo | $981/mo |
| Shelby County, Illinois | $137,100 | $2,063/yr | $1,387/yr | $693/mo | $981/mo |
| Randolph County, Illinois | $135,100 | $1,927/yr | $1,656/yr | $683/mo | $982/mo |
| Moultrie County, Illinois | $134,000 | $2,414/yr | $1,283/yr | $678/mo | $986/mo |
| Logan County, Illinois | $134,400 | $2,385/yr | $1,427/yr | $680/mo | $997/mo |
| Macon County, Illinois | $127,300 | $2,696/yr | $1,608/yr | $644/mo | $1,002/mo |
| Macoupin County, Illinois | $138,200 | $2,073/yr | $1,708/yr | $699/mo | $1,014/mo |
| Brown County, Illinois | $150,300 | $2,291/yr | $956/yr | $760/mo | $1,031/mo |
| Iroquois County, Illinois | $137,800 | $2,504/yr | $1,638/yr | $697/mo | $1,042/mo |
| Marshall County, Illinois | $142,800 | $2,766/yr | $1,165/yr | $722/mo | $1,050/mo |
| Jackson County, Illinois | $137,300 | $2,526/yr | $1,776/yr | $694/mo | $1,053/mo |
| Mercer County, Illinois | $146,700 | $2,878/yr | $981/yr | $742/mo | $1,063/mo |
| Bond County, Illinois | $145,700 | $2,747/yr | $1,293/yr | $737/mo | $1,073/mo |
| Stephenson County, Illinois | $134,900 | $3,240/yr | $1,603/yr | $682/mo | $1,086/mo |
| Livingston County, Illinois | $142,200 | $2,908/yr | $1,666/yr | $719/mo | $1,100/mo |
| Douglas County, Illinois | $150,400 | $2,554/yr | $1,646/yr | $761/mo | $1,111/mo |
| Johnson County, Illinois | $160,500 | $1,992/yr | $1,615/yr | $812/mo | $1,112/mo |
| Henry County, Illinois | $151,600 | $3,016/yr | $1,598/yr | $767/mo | $1,151/mo |
| Washington County, Illinois | $155,700 | $2,908/yr | $1,617/yr | $787/mo | $1,164/mo |
| Lee County, Illinois | $154,600 | $3,048/yr | $1,596/yr | $782/mo | $1,169/mo |
| Williamson County, Illinois | $156,400 | $2,690/yr | $2,006/yr | $791/mo | $1,182/mo |
| Adams County, Illinois | $162,600 | $2,573/yr | $1,806/yr | $822/mo | $1,187/mo |
| Putnam County, Illinois | $172,700 | $2,705/yr | $1,160/yr | $873/mo | $1,195/mo |
| Rock Island County, Illinois | $150,400 | $3,425/yr | $1,910/yr | $761/mo | $1,205/mo |
| Jersey County, Illinois | $171,900 | $3,020/yr | $1,287/yr | $869/mo | $1,228/mo |
| Peoria County, Illinois | $158,500 | $3,552/yr | $2,095/yr | $801/mo | $1,272/mo |
| LaSalle County, Illinois | $161,900 | $3,418/yr | $2,081/yr | $819/mo | $1,277/mo |
| Calhoun County, Illinois | $190,900 | $2,644/yr | $1,235/yr | $965/mo | $1,289/mo |
| Piatt County, Illinois | $180,600 | $3,265/yr | $1,585/yr | $913/mo | $1,317/mo |
| Tazewell County, Illinois | $167,500 | $3,536/yr | $2,128/yr | $847/mo | $1,319/mo |
| Menard County, Illinois | $185,500 | $3,190/yr | $1,535/yr | $938/mo | $1,332/mo |
| Winnebago County, Illinois | $164,500 | $3,930/yr | $2,197/yr | $832/mo | $1,342/mo |
| Madison County, Illinois | $173,000 | $3,319/yr | $2,325/yr | $875/mo | $1,345/mo |
| Effingham County, Illinois | $189,500 | $2,823/yr | $1,947/yr | $958/mo | $1,356/mo |
| Sangamon County, Illinois | $176,300 | $3,512/yr | $2,345/yr | $891/mo | $1,380/mo |
| St. Clair County, Illinois | $180,300 | $3,665/yr | $2,444/yr | $912/mo | $1,421/mo |
| Clinton County, Illinois | $192,400 | $3,524/yr | $2,158/yr | $973/mo | $1,446/mo |
| Ogle County, Illinois | $189,200 | $3,889/yr | $2,205/yr | $957/mo | $1,465/mo |
| Woodford County, Illinois | $197,600 | $4,215/yr | $1,812/yr | $999/mo | $1,501/mo |
| Kankakee County, Illinois | $192,600 | $4,266/yr | $2,509/yr | $974/mo | $1,538/mo |
| Jo Daviess County, Illinois | $209,900 | $3,613/yr | $2,115/yr | $1,061/mo | $1,539/mo |
| McLean County, Illinois | $208,400 | $4,524/yr | $2,692/yr | $1,054/mo | $1,655/mo |
| Champaign County, Illinois | $211,500 | $4,353/yr | $2,792/yr | $1,069/mo | $1,665/mo |
| Boone County, Illinois | $216,900 | $4,735/yr | $2,291/yr | $1,097/mo | $1,682/mo |
| DeKalb County, Illinois | $243,600 | $5,974/yr | $3,029/yr | $1,232/mo | $1,982/mo |
| Monroe County, Illinois | $282,100 | $4,588/yr | $2,511/yr | $1,426/mo | $2,018/mo |
| Grundy County, Illinois | $271,700 | $5,420/yr | $3,041/yr | $1,374/mo | $2,079/mo |
| McHenry County, Illinois | $308,100 | $7,274/yr | $3,562/yr | $1,558/mo | $2,461/mo |
| Cook County, Illinois | $324,500 | $6,191/yr | $3,760/yr | $1,641/mo | $2,470/mo |
| Will County, Illinois | $319,600 | $7,173/yr | $3,702/yr | $1,616/mo | $2,522/mo |
| Kendall County, Illinois | $322,400 | $7,651/yr | $3,336/yr | $1,630/mo | $2,546/mo |
| Kane County, Illinois | $327,000 | $7,382/yr | $3,644/yr | $1,653/mo | $2,572/mo |
| Lake County, Illinois | $345,700 | $8,923/yr | $3,674/yr | $1,748/mo | $2,798/mo |
| DuPage County, Illinois | $391,400 | $8,007/yr | $3,710/yr | $1,979/mo | $2,956/mo |
How to use this page
Use this page to shortlist counties where the monthly carrying cost fits the budget, then open the county page to inspect source attribution, confidence, local comparisons, and the editable calculator. This is a planning benchmark, not a mortgage offer or insurance quote.
Sources: U.S. Census ACS, NAIC Homeowners Insurance Report, and FEMA National Risk Index. Data as of 2024-12-31.