Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in Illinois
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
Illinois ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Alexander County | 53.0% | $354 | $667 |
| 2 | Cass County | 48.8% | $485 | $995 |
| 3 | McDonough County | 48.2% | $514 | $1,067 |
| 4 | Fulton County | 48.2% | $509 | $1,056 |
| 5 | Mason County | 47.9% | $521 | $1,087 |
| 6 | Vermilion County | 47.8% | $454 | $950 |
| 7 | Stephenson County | 47.6% | $619 | $1,300 |
| 8 | Gallatin County | 47.6% | $411 | $863 |
| 9 | Warren County | 47.3% | $485 | $1,026 |
| 10 | Franklin County | 47.2% | $418 | $887 |
| 11 | Knox County | 47.2% | $500 | $1,060 |
| 12 | Greene County | 47.0% | $447 | $951 |
| 13 | Clay County | 46.8% | $444 | $947 |
| 14 | Carroll County | 46.8% | $533 | $1,138 |
| 15 | Saline County | 46.7% | $435 | $931 |
| 16 | Marion County | 46.6% | $466 | $1,001 |
| 17 | Ford County | 46.6% | $549 | $1,180 |
| 18 | Schuyler County | 46.5% | $493 | $1,060 |
| 19 | Hancock County | 46.5% | $502 | $1,081 |
| 20 | Macon County | 46.4% | $564 | $1,214 |
| 21 | Montgomery County | 46.4% | $473 | $1,018 |
| 22 | Edgar County | 46.4% | $442 | $952 |
| 23 | Henderson County | 46.3% | $468 | $1,010 |
| 24 | Bureau County | 46.3% | $561 | $1,211 |
| 25 | Whiteside County | 46.3% | $578 | $1,250 |
| 26 | Winnebago County | 46.2% | $712 | $1,540 |
| 27 | Coles County | 46.2% | $558 | $1,209 |
| 28 | Livingston County | 46.1% | $601 | $1,303 |
| 29 | Rock Island County | 46.1% | $659 | $1,432 |
| 30 | Stark County | 45.9% | $470 | $1,022 |
| 31 | Pike County | 45.9% | $454 | $988 |
| 32 | Perry County | 45.8% | $475 | $1,037 |
| 33 | Edwards County | 45.8% | $440 | $960 |
| 34 | Moultrie County | 45.6% | $543 | $1,192 |
| 35 | Iroquois County | 45.5% | $559 | $1,228 |
| 36 | Jasper County | 45.5% | $547 | $1,203 |
| 37 | Christian County | 45.3% | $496 | $1,095 |
| 38 | Jackson County | 45.3% | $553 | $1,220 |
| 39 | Peoria County | 45.2% | $673 | $1,488 |
| 40 | Hardin County | 45.2% | $403 | $893 |
| 41 | Cumberland County | 45.2% | $518 | $1,146 |
| 42 | Pulaski County | 45.2% | $356 | $789 |
| 43 | White County | 45.1% | $440 | $974 |
| 44 | Wabash County | 45.1% | $456 | $1,011 |
| 45 | De Witt County | 45.1% | $545 | $1,208 |
| 46 | Richland County | 45.1% | $467 | $1,036 |
| 47 | Bond County | 45.0% | $582 | $1,292 |
| 48 | Logan County | 44.9% | $548 | $1,220 |
| 49 | Scott County | 44.9% | $443 | $986 |
| 50 | Morgan County | 44.9% | $560 | $1,248 |
| 51 | Jefferson County | 44.9% | $515 | $1,147 |
| 52 | Marshall County | 44.9% | $599 | $1,334 |
| 53 | Lawrence County | 44.8% | $414 | $924 |
| 54 | Wayne County | 44.8% | $474 | $1,058 |
| 55 | LaSalle County | 44.7% | $669 | $1,496 |
| 56 | Crawford County | 44.6% | $488 | $1,095 |
| 57 | Mercer County | 44.6% | $598 | $1,341 |
| 58 | Clark County | 44.4% | $525 | $1,182 |
| 59 | Henry County | 44.4% | $619 | $1,395 |
| 60 | Fayette County | 44.3% | $487 | $1,099 |
| 61 | Tazewell County | 44.1% | $693 | $1,571 |
| 62 | DeKalb County | 44.1% | $976 | $2,214 |
| 63 | Hamilton County | 44.0% | $457 | $1,038 |
| 64 | Massac County | 43.9% | $493 | $1,123 |
| 65 | St. Clair County | 43.8% | $702 | $1,604 |
| 66 | Kankakee County | 43.8% | $772 | $1,764 |
| 67 | Douglas County | 43.7% | $591 | $1,353 |
| 68 | Macoupin County | 43.7% | $521 | $1,195 |
| 69 | McLean County | 43.6% | $819 | $1,878 |
| 70 | Boone County | 43.6% | $820 | $1,880 |
| 71 | Lee County | 43.6% | $639 | $1,467 |
| 72 | Washington County | 43.5% | $615 | $1,415 |
| 73 | Woodford County | 43.3% | $791 | $1,825 |
| 74 | Lake County | 43.3% | $1,330 | $3,073 |
| 75 | Sangamon County | 43.2% | $691 | $1,600 |
| 76 | Williamson County | 43.0% | $587 | $1,364 |
| 77 | Madison County | 43.0% | $676 | $1,573 |
| 78 | Shelby County | 42.9% | $524 | $1,220 |
| 79 | Ogle County | 42.9% | $738 | $1,721 |
| 80 | Kendall County | 42.9% | $1,197 | $2,793 |
| 81 | McHenry County | 42.9% | $1,149 | $2,680 |
| 82 | Champaign County | 42.4% | $806 | $1,901 |
| 83 | Union County | 42.4% | $517 | $1,220 |
| 84 | Randolph County | 42.2% | $522 | $1,238 |
| 85 | Clinton County | 42.1% | $702 | $1,666 |
| 86 | Kane County | 42.1% | $1,175 | $2,792 |
| 87 | Jersey County | 42.1% | $654 | $1,556 |
| 88 | Brown County | 42.0% | $550 | $1,309 |
| 89 | Will County | 41.9% | $1,149 | $2,740 |
| 90 | Piatt County | 41.9% | $667 | $1,591 |
| 91 | Adams County | 41.8% | $597 | $1,430 |
| 92 | Putnam County | 41.3% | $629 | $1,525 |
| 93 | Jo Daviess County | 41.0% | $721 | $1,756 |
| 94 | Menard County | 41.0% | $665 | $1,623 |
| 95 | Grundy County | 40.9% | $957 | $2,341 |
| 96 | Johnson County | 40.8% | $545 | $1,337 |
| 97 | Calhoun County | 40.3% | $628 | $1,557 |
| 98 | Effingham County | 40.3% | $648 | $1,607 |
| 99 | Cook County | 39.8% | $1,079 | $2,709 |
| 100 | DuPage County | 39.7% | $1,312 | $3,309 |
| 101 | Monroe County | 38.9% | $903 | $2,321 |
| 102 | Pope County | 38.2% | $544 | $1,427 |
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
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Illinois