Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in Illinois
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Illinois ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Pope County | 38.2% | $544 | $1,427 |
| 2 | Monroe County | 38.9% | $903 | $2,321 |
| 3 | DuPage County | 39.7% | $1,312 | $3,309 |
| 4 | Cook County | 39.8% | $1,079 | $2,709 |
| 5 | Effingham County | 40.3% | $648 | $1,607 |
| 6 | Calhoun County | 40.3% | $628 | $1,557 |
| 7 | Johnson County | 40.8% | $545 | $1,337 |
| 8 | Grundy County | 40.9% | $957 | $2,341 |
| 9 | Menard County | 41.0% | $665 | $1,623 |
| 10 | Jo Daviess County | 41.0% | $721 | $1,756 |
| 11 | Putnam County | 41.3% | $629 | $1,525 |
| 12 | Adams County | 41.8% | $597 | $1,430 |
| 13 | Piatt County | 41.9% | $667 | $1,591 |
| 14 | Will County | 41.9% | $1,149 | $2,740 |
| 15 | Brown County | 42.0% | $550 | $1,309 |
| 16 | Jersey County | 42.1% | $654 | $1,556 |
| 17 | Kane County | 42.1% | $1,175 | $2,792 |
| 18 | Clinton County | 42.1% | $702 | $1,666 |
| 19 | Randolph County | 42.2% | $522 | $1,238 |
| 20 | Union County | 42.4% | $517 | $1,220 |
| 21 | Champaign County | 42.4% | $806 | $1,901 |
| 22 | McHenry County | 42.9% | $1,149 | $2,680 |
| 23 | Kendall County | 42.9% | $1,197 | $2,793 |
| 24 | Ogle County | 42.9% | $738 | $1,721 |
| 25 | Shelby County | 42.9% | $524 | $1,220 |
| 26 | Madison County | 43.0% | $676 | $1,573 |
| 27 | Williamson County | 43.0% | $587 | $1,364 |
| 28 | Sangamon County | 43.2% | $691 | $1,600 |
| 29 | Lake County | 43.3% | $1,330 | $3,073 |
| 30 | Woodford County | 43.3% | $791 | $1,825 |
| 31 | Washington County | 43.5% | $615 | $1,415 |
| 32 | Lee County | 43.6% | $639 | $1,467 |
| 33 | Boone County | 43.6% | $820 | $1,880 |
| 34 | McLean County | 43.6% | $819 | $1,878 |
| 35 | Macoupin County | 43.7% | $521 | $1,195 |
| 36 | Douglas County | 43.7% | $591 | $1,353 |
| 37 | Kankakee County | 43.8% | $772 | $1,764 |
| 38 | St. Clair County | 43.8% | $702 | $1,604 |
| 39 | Massac County | 43.9% | $493 | $1,123 |
| 40 | Hamilton County | 44.0% | $457 | $1,038 |
| 41 | DeKalb County | 44.1% | $976 | $2,214 |
| 42 | Tazewell County | 44.1% | $693 | $1,571 |
| 43 | Fayette County | 44.3% | $487 | $1,099 |
| 44 | Henry County | 44.4% | $619 | $1,395 |
| 45 | Clark County | 44.4% | $525 | $1,182 |
| 46 | Mercer County | 44.6% | $598 | $1,341 |
| 47 | Crawford County | 44.6% | $488 | $1,095 |
| 48 | LaSalle County | 44.7% | $669 | $1,496 |
| 49 | Wayne County | 44.8% | $474 | $1,058 |
| 50 | Lawrence County | 44.8% | $414 | $924 |
| 51 | Marshall County | 44.9% | $599 | $1,334 |
| 52 | Jefferson County | 44.9% | $515 | $1,147 |
| 53 | Morgan County | 44.9% | $560 | $1,248 |
| 54 | Scott County | 44.9% | $443 | $986 |
| 55 | Logan County | 44.9% | $548 | $1,220 |
| 56 | Bond County | 45.0% | $582 | $1,292 |
| 57 | Richland County | 45.1% | $467 | $1,036 |
| 58 | De Witt County | 45.1% | $545 | $1,208 |
| 59 | Wabash County | 45.1% | $456 | $1,011 |
| 60 | White County | 45.1% | $440 | $974 |
| 61 | Pulaski County | 45.2% | $356 | $789 |
| 62 | Cumberland County | 45.2% | $518 | $1,146 |
| 63 | Hardin County | 45.2% | $403 | $893 |
| 64 | Peoria County | 45.2% | $673 | $1,488 |
| 65 | Jackson County | 45.3% | $553 | $1,220 |
| 66 | Christian County | 45.3% | $496 | $1,095 |
| 67 | Jasper County | 45.5% | $547 | $1,203 |
| 68 | Iroquois County | 45.5% | $559 | $1,228 |
| 69 | Moultrie County | 45.6% | $543 | $1,192 |
| 70 | Edwards County | 45.8% | $440 | $960 |
| 71 | Perry County | 45.8% | $475 | $1,037 |
| 72 | Pike County | 45.9% | $454 | $988 |
| 73 | Stark County | 45.9% | $470 | $1,022 |
| 74 | Rock Island County | 46.1% | $659 | $1,432 |
| 75 | Livingston County | 46.1% | $601 | $1,303 |
| 76 | Coles County | 46.2% | $558 | $1,209 |
| 77 | Winnebago County | 46.2% | $712 | $1,540 |
| 78 | Whiteside County | 46.3% | $578 | $1,250 |
| 79 | Bureau County | 46.3% | $561 | $1,211 |
| 80 | Henderson County | 46.3% | $468 | $1,010 |
| 81 | Edgar County | 46.4% | $442 | $952 |
| 82 | Montgomery County | 46.4% | $473 | $1,018 |
| 83 | Macon County | 46.4% | $564 | $1,214 |
| 84 | Hancock County | 46.5% | $502 | $1,081 |
| 85 | Schuyler County | 46.5% | $493 | $1,060 |
| 86 | Ford County | 46.6% | $549 | $1,180 |
| 87 | Marion County | 46.6% | $466 | $1,001 |
| 88 | Saline County | 46.7% | $435 | $931 |
| 89 | Carroll County | 46.8% | $533 | $1,138 |
| 90 | Clay County | 46.8% | $444 | $947 |
| 91 | Greene County | 47.0% | $447 | $951 |
| 92 | Knox County | 47.2% | $500 | $1,060 |
| 93 | Franklin County | 47.2% | $418 | $887 |
| 94 | Warren County | 47.3% | $485 | $1,026 |
| 95 | Gallatin County | 47.6% | $411 | $863 |
| 96 | Stephenson County | 47.6% | $619 | $1,300 |
| 97 | Vermilion County | 47.8% | $454 | $950 |
| 98 | Mason County | 47.9% | $521 | $1,087 |
| 99 | Fulton County | 48.2% | $509 | $1,056 |
| 100 | McDonough County | 48.2% | $514 | $1,067 |
| 101 | Cass County | 48.8% | $485 | $995 |
| 102 | Alexander County | 53.0% | $354 | $667 |
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
Lowest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Illinois