Ranked from ACS 2023 5-Year
Most Expensive Counties to Own a Home Outright in Illinois
The counties where a paid-off house still costs the most to keep. For retirees on a fixed income this figure matters more than the purchase price, because it never goes away and it rises with assessments.
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 | Lake County | $1,330 | $326,600 | 2.677% |
| 2 | DuPage County | $1,312 | $374,100 | 2.094% |
| 3 | Kendall County | $1,197 | $298,900 | 2.528% |
| 4 | Kane County | $1,175 | $303,000 | 2.386% |
| 5 | Will County | $1,149 | $298,000 | 2.347% |
| 6 | McHenry County | $1,149 | $286,900 | 2.493% |
| 7 | Cook County | $1,079 | $305,200 | 1.983% |
| 8 | DeKalb County | $976 | $231,900 | 2.539% |
| 9 | Grundy County | $957 | $259,200 | 2.029% |
| 10 | Monroe County | $903 | $265,600 | 1.703% |
| 11 | Boone County | $820 | $198,600 | 2.269% |
| 12 | McLean County | $819 | $198,300 | 2.271% |
| 13 | Champaign County | $806 | $205,100 | 2.070% |
| 14 | Woodford County | $791 | $193,800 | 2.180% |
| 15 | Kankakee County | $772 | $185,700 | 2.221% |
| 16 | Ogle County | $738 | $184,100 | 2.030% |
| 17 | Jo Daviess County | $721 | $193,900 | 1.745% |
| 18 | Winnebago County | $712 | $155,100 | 2.482% |
| 19 | St. Clair County | $702 | $168,800 | 2.093% |
| 20 | Clinton County | $702 | $180,500 | 1.859% |
| 21 | Tazewell County | $693 | $164,500 | 2.116% |
| 22 | Sangamon County | $691 | $170,300 | 1.978% |
| 23 | Madison County | $676 | $167,900 | 1.925% |
| 24 | Peoria County | $673 | $152,600 | 2.239% |
| 25 | LaSalle County | $669 | $154,900 | 2.154% |
| 26 | Piatt County | $667 | $173,200 | 1.755% |
| 27 | Menard County | $665 | $179,300 | 1.637% |
| 28 | Rock Island County | $659 | $144,700 | 2.330% |
| 29 | Jersey County | $654 | $168,800 | 1.752% |
| 30 | Effingham County | $648 | $179,800 | 1.509% |
| 31 | Lee County | $639 | $155,100 | 1.921% |
| 32 | Putnam County | $629 | $167,800 | 1.590% |
| 33 | Calhoun County | $628 | $174,000 | 1.474% |
| 34 | Stephenson County | $619 | $127,500 | 2.463% |
| 35 | Henry County | $619 | $145,300 | 1.980% |
| 36 | Washington County | $615 | $149,800 | 1.846% |
| 37 | Livingston County | $601 | $131,500 | 2.180% |
| 38 | Marshall County | $599 | $137,800 | 1.991% |
| 39 | Mercer County | $598 | $139,300 | 1.945% |
| 40 | Adams County | $597 | $155,900 | 1.579% |
| 41 | Douglas County | $591 | $142,600 | 1.813% |
| 42 | Williamson County | $587 | $145,600 | 1.710% |
| 43 | Bond County | $582 | $133,100 | 1.962% |
| 44 | Whiteside County | $578 | $125,800 | 2.127% |
| 45 | Macon County | $564 | $121,800 | 2.102% |
| 46 | Bureau County | $561 | $121,900 | 2.069% |
| 47 | Morgan County | $560 | $128,700 | 1.880% |
| 48 | Iroquois County | $559 | $125,400 | 1.953% |
| 49 | Coles County | $558 | $121,900 | 2.046% |
| 50 | Jackson County | $553 | $125,000 | 1.908% |
| 51 | Brown County | $550 | $142,200 | 1.470% |
| 52 | Ford County | $549 | $118,100 | 2.069% |
| 53 | Logan County | $548 | $125,900 | 1.839% |
| 54 | Jasper County | $547 | $122,900 | 1.905% |
| 55 | Johnson County | $545 | $148,200 | 1.317% |
| 56 | De Witt County | $545 | $124,200 | 1.849% |
| 57 | Pope County | $544 | $165,300 | 1.021% |
| 58 | Moultrie County | $543 | $121,500 | 1.906% |
| 59 | Carroll County | $533 | $113,500 | 2.033% |
| 60 | Clark County | $525 | $123,100 | 1.684% |
| 61 | Shelby County | $524 | $130,400 | 1.499% |
| 62 | Randolph County | $522 | $134,100 | 1.400% |
| 63 | Macoupin County | $521 | $126,100 | 1.578% |
| 64 | Mason County | $521 | $106,100 | 2.146% |
| 65 | Cumberland County | $518 | $117,700 | 1.757% |
| 66 | Union County | $517 | $131,700 | 1.405% |
| 67 | Jefferson County | $515 | $118,400 | 1.711% |
| 68 | McDonough County | $514 | $103,500 | 2.162% |
| 69 | Fulton County | $509 | $102,500 | 2.133% |
| 70 | Hancock County | $502 | $108,400 | 1.863% |
| 71 | Knox County | $500 | $104,900 | 1.949% |
| 72 | Christian County | $496 | $112,100 | 1.691% |
| 73 | Massac County | $493 | $118,000 | 1.499% |
| 74 | Schuyler County | $493 | $106,200 | 1.827% |
| 75 | Crawford County | $488 | $113,700 | 1.556% |
| 76 | Fayette County | $487 | $114,700 | 1.517% |
| 77 | Cass County | $485 | $95,500 | 2.102% |
| 78 | Warren County | $485 | $101,300 | 1.896% |
| 79 | Perry County | $475 | $105,200 | 1.658% |
| 80 | Wayne County | $474 | $109,400 | 1.527% |
| 81 | Montgomery County | $473 | $102,200 | 1.720% |
| 82 | Stark County | $470 | $103,500 | 1.643% |
| 83 | Henderson County | $468 | $101,600 | 1.676% |
| 84 | Richland County | $467 | $106,600 | 1.518% |
| 85 | Marion County | $466 | $100,100 | 1.707% |
| 86 | Hamilton County | $457 | $108,800 | 1.351% |
| 87 | Wabash County | $456 | $103,900 | 1.471% |
| 88 | Vermilion County | $454 | $92,900 | 1.793% |
| 89 | Pike County | $454 | $100,100 | 1.555% |
| 90 | Greene County | $447 | $94,400 | 1.657% |
| 91 | Clay County | $444 | $94,300 | 1.615% |
| 92 | Scott County | $443 | $101,700 | 1.382% |
| 93 | Edgar County | $442 | $95,700 | 1.544% |
| 94 | Edwards County | $440 | $97,500 | 1.466% |
| 95 | White County | $440 | $100,100 | 1.387% |
| 96 | Saline County | $435 | $92,900 | 1.555% |
| 97 | Franklin County | $418 | $87,700 | 1.501% |
| 98 | Lawrence County | $414 | $95,500 | 1.210% |
| 99 | Gallatin County | $411 | $84,700 | 1.506% |
| 100 | Hardin County | $403 | $91,700 | 1.176% |
| 101 | Pulaski County | $356 | $81,000 | 0.825% |
| 102 | Alexander County | $354 | $58,700 | 1.646% |
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
Most Expensive Counties to Own a Home Outright across all 3,133 US counties · Every county in Illinois