Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home in Illinois
Where the full monthly cost of owning the local median home is lowest. Every figure includes tax, insurance, utilities and maintenance, not just the mortgage.
Illinois ranked
| # | County | Monthly to own | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Alexander County | $737 | $58,700 | 1.646% |
| 2 | Pulaski County | $854 | $81,000 | 0.825% |
| 3 | Gallatin County | $928 | $84,700 | 1.506% |
| 4 | Franklin County | $950 | $87,700 | 1.501% |
| 5 | Hardin County | $956 | $91,700 | 1.176% |
| 6 | Lawrence County | $987 | $95,500 | 1.210% |
| 7 | Saline County | $994 | $92,900 | 1.555% |
| 8 | Clay County | $1,010 | $94,300 | 1.615% |
| 9 | Vermilion County | $1,013 | $92,900 | 1.793% |
| 10 | Greene County | $1,014 | $94,400 | 1.657% |
| 11 | Edgar County | $1,015 | $95,700 | 1.544% |
| 12 | Edwards County | $1,022 | $97,500 | 1.466% |
| 13 | White County | $1,035 | $100,100 | 1.387% |
| 14 | Scott County | $1,047 | $101,700 | 1.382% |
| 15 | Pike County | $1,049 | $100,100 | 1.555% |
| 16 | Cass County | $1,058 | $95,500 | 2.102% |
| 17 | Marion County | $1,062 | $100,100 | 1.707% |
| 18 | Henderson County | $1,071 | $101,600 | 1.676% |
| 19 | Wabash County | $1,071 | $103,900 | 1.471% |
| 20 | Montgomery County | $1,080 | $102,200 | 1.720% |
| 21 | Stark County | $1,083 | $103,500 | 1.643% |
| 22 | Warren County | $1,087 | $101,300 | 1.896% |
| 23 | Richland County | $1,096 | $106,600 | 1.518% |
| 24 | Perry County | $1,097 | $105,200 | 1.658% |
| 25 | Hamilton County | $1,098 | $108,800 | 1.351% |
Every figure is modelled on the county's own median home with 20% down at 6.66%. 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 across all 3,133 US counties · Every county in Illinois