Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in Illinois
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Illinois ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Alexander County | $354 | $58,700 | 1.646% |
| 2 | Pulaski County | $356 | $81,000 | 0.825% |
| 3 | Hardin County | $403 | $91,700 | 1.176% |
| 4 | Gallatin County | $411 | $84,700 | 1.506% |
| 5 | Lawrence County | $414 | $95,500 | 1.210% |
| 6 | Franklin County | $418 | $87,700 | 1.501% |
| 7 | Saline County | $435 | $92,900 | 1.555% |
| 8 | White County | $440 | $100,100 | 1.387% |
| 9 | Edwards County | $440 | $97,500 | 1.466% |
| 10 | Edgar County | $442 | $95,700 | 1.544% |
| 11 | Scott County | $443 | $101,700 | 1.382% |
| 12 | Clay County | $444 | $94,300 | 1.615% |
| 13 | Greene County | $447 | $94,400 | 1.657% |
| 14 | Pike County | $454 | $100,100 | 1.555% |
| 15 | Vermilion County | $454 | $92,900 | 1.793% |
| 16 | Wabash County | $456 | $103,900 | 1.471% |
| 17 | Hamilton County | $457 | $108,800 | 1.351% |
| 18 | Marion County | $466 | $100,100 | 1.707% |
| 19 | Richland County | $467 | $106,600 | 1.518% |
| 20 | Henderson County | $468 | $101,600 | 1.676% |
| 21 | Stark County | $470 | $103,500 | 1.643% |
| 22 | Montgomery County | $473 | $102,200 | 1.720% |
| 23 | Wayne County | $474 | $109,400 | 1.527% |
| 24 | Perry County | $475 | $105,200 | 1.658% |
| 25 | Warren County | $485 | $101,300 | 1.896% |
| 26 | Cass County | $485 | $95,500 | 2.102% |
| 27 | Fayette County | $487 | $114,700 | 1.517% |
| 28 | Crawford County | $488 | $113,700 | 1.556% |
| 29 | Schuyler County | $493 | $106,200 | 1.827% |
| 30 | Massac County | $493 | $118,000 | 1.499% |
| 31 | Christian County | $496 | $112,100 | 1.691% |
| 32 | Knox County | $500 | $104,900 | 1.949% |
| 33 | Hancock County | $502 | $108,400 | 1.863% |
| 34 | Fulton County | $509 | $102,500 | 2.133% |
| 35 | McDonough County | $514 | $103,500 | 2.162% |
| 36 | Jefferson County | $515 | $118,400 | 1.711% |
| 37 | Union County | $517 | $131,700 | 1.405% |
| 38 | Cumberland County | $518 | $117,700 | 1.757% |
| 39 | Mason County | $521 | $106,100 | 2.146% |
| 40 | Macoupin County | $521 | $126,100 | 1.578% |
| 41 | Randolph County | $522 | $134,100 | 1.400% |
| 42 | Shelby County | $524 | $130,400 | 1.499% |
| 43 | Clark County | $525 | $123,100 | 1.684% |
| 44 | Carroll County | $533 | $113,500 | 2.033% |
| 45 | Moultrie County | $543 | $121,500 | 1.906% |
| 46 | Pope County | $544 | $165,300 | 1.021% |
| 47 | De Witt County | $545 | $124,200 | 1.849% |
| 48 | Johnson County | $545 | $148,200 | 1.317% |
| 49 | Jasper County | $547 | $122,900 | 1.905% |
| 50 | Logan County | $548 | $125,900 | 1.839% |
| 51 | Ford County | $549 | $118,100 | 2.069% |
| 52 | Brown County | $550 | $142,200 | 1.470% |
| 53 | Jackson County | $553 | $125,000 | 1.908% |
| 54 | Coles County | $558 | $121,900 | 2.046% |
| 55 | Iroquois County | $559 | $125,400 | 1.953% |
| 56 | Morgan County | $560 | $128,700 | 1.880% |
| 57 | Bureau County | $561 | $121,900 | 2.069% |
| 58 | Macon County | $564 | $121,800 | 2.102% |
| 59 | Whiteside County | $578 | $125,800 | 2.127% |
| 60 | Bond County | $582 | $133,100 | 1.962% |
| 61 | Williamson County | $587 | $145,600 | 1.710% |
| 62 | Douglas County | $591 | $142,600 | 1.813% |
| 63 | Adams County | $597 | $155,900 | 1.579% |
| 64 | Mercer County | $598 | $139,300 | 1.945% |
| 65 | Marshall County | $599 | $137,800 | 1.991% |
| 66 | Livingston County | $601 | $131,500 | 2.180% |
| 67 | Washington County | $615 | $149,800 | 1.846% |
| 68 | Henry County | $619 | $145,300 | 1.980% |
| 69 | Stephenson County | $619 | $127,500 | 2.463% |
| 70 | Calhoun County | $628 | $174,000 | 1.474% |
| 71 | Putnam County | $629 | $167,800 | 1.590% |
| 72 | Lee County | $639 | $155,100 | 1.921% |
| 73 | Effingham County | $648 | $179,800 | 1.509% |
| 74 | Jersey County | $654 | $168,800 | 1.752% |
| 75 | Rock Island County | $659 | $144,700 | 2.330% |
| 76 | Menard County | $665 | $179,300 | 1.637% |
| 77 | Piatt County | $667 | $173,200 | 1.755% |
| 78 | LaSalle County | $669 | $154,900 | 2.154% |
| 79 | Peoria County | $673 | $152,600 | 2.239% |
| 80 | Madison County | $676 | $167,900 | 1.925% |
| 81 | Sangamon County | $691 | $170,300 | 1.978% |
| 82 | Tazewell County | $693 | $164,500 | 2.116% |
| 83 | Clinton County | $702 | $180,500 | 1.859% |
| 84 | St. Clair County | $702 | $168,800 | 2.093% |
| 85 | Winnebago County | $712 | $155,100 | 2.482% |
| 86 | Jo Daviess County | $721 | $193,900 | 1.745% |
| 87 | Ogle County | $738 | $184,100 | 2.030% |
| 88 | Kankakee County | $772 | $185,700 | 2.221% |
| 89 | Woodford County | $791 | $193,800 | 2.180% |
| 90 | Champaign County | $806 | $205,100 | 2.070% |
| 91 | McLean County | $819 | $198,300 | 2.271% |
| 92 | Boone County | $820 | $198,600 | 2.269% |
| 93 | Monroe County | $903 | $265,600 | 1.703% |
| 94 | Grundy County | $957 | $259,200 | 2.029% |
| 95 | DeKalb County | $976 | $231,900 | 2.539% |
| 96 | Cook County | $1,079 | $305,200 | 1.983% |
| 97 | McHenry County | $1,149 | $286,900 | 2.493% |
| 98 | Will County | $1,149 | $298,000 | 2.347% |
| 99 | Kane County | $1,175 | $303,000 | 2.386% |
| 100 | Kendall County | $1,197 | $298,900 | 2.528% |
| 101 | DuPage County | $1,312 | $374,100 | 2.094% |
| 102 | Lake County | $1,330 | $326,600 | 2.677% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in Illinois