Housing affordability index in Illinois

Housing affordability index in Illinois: puts one number on the housing question: 19.3% of the state's median household income goes to principal and interest on a median-priced home at today's rate.

30-year fixed rate used: 6.76% (observed 2026-09-10, FRED MORTGAGE30US).

Share of income

19.3%

principal + interest

Monthly payment

$1,298

on a $249,933 home

Median income

$80,593

households, ACS 5-year

Housing affordability index in Illinois: counties ranked, least affordable first
RankCountyShare of incomeMonthly P&I
1Cook County23.4%$1,526
2DuPage County21.1%$1,879
3DeKalb County19.9%$1,135
4Champaign County19.7%$1,000
5Kane County18.8%$1,507
6Lake County18.7%$1,629
7Jackson County17.2%$641
8Grundy County17%$1,275
9Will County17%$1,473
10Kendall County16.9%$1,496
11Kankakee County16.8%$918
12McHenry County16.8%$1,406
13Jo Daviess County16.5%$931
14McLean County15.8%$994
15Monroe County15.7%$1,320
16Pope County14.9%$714
17Union County14.9%$672
18Adams County14.8%$786
19Peoria County14.8%$781
20Winnebago County14.8%$762
21Woodford County14.5%$967
22Williamson County14.4%$725
23St. Clair County14.3%$823
24Effingham County14.2%$865
25Lee County14.2%$764
26Ogle County14.2%$898
27Boone County14.1%$944
28Sangamon County14.1%$844
29Bond County13.9%$677
30Johnson County13.9%$733
31Madison County13.8%$828
32Clinton County13.7%$891
33LaSalle County13.5%$766
34Rock Island County13.5%$726
35Fayette County13.4%$579
36Putnam County13.3%$839
37Tazewell County13.3%$826
38Coles County13.2%$592
39Stephenson County13.2%$634
40Henry County13.1%$721
41Jersey County13%$840
42Menard County13%$920
43Piatt County12.9%$874
44McDonough County12.8%$521
45Douglas County12.7%$712
46Randolph County12.6%$672
47Wayne County12.6%$560
48Macon County12.5%$622
49Massac County12.5%$598
50Morgan County12.4%$634
51Pulaski County12.4%$424
52Jefferson County12.3%$597
53De Witt County12.2%$629
54Mercer County12.2%$680
55Washington County12.2%$764
56Whiteside County12.1%$635
57Ford County12%$589
58Iroquois County12%$628
59Knox County12%$503
60Marshall County12%$647
61Christian County11.9%$565
62Shelby County11.9%$650
63Brown County11.8%$634
64Logan County11.8%$614
65Bureau County11.7%$624
66Livingston County11.7%$665
67Macoupin County11.7%$630
68White County11.5%$525
69Calhoun County11.4%$836
70Perry County11.3%$530
71Carroll County11.1%$571
72Clay County11.1%$538
73Fulton County10.9%$518
74Jasper County10.9%$612
75Pike County10.9%$504
76Richland County10.8%$553
77Wabash County10.8%$489
78Franklin County10.7%$454
79Vermilion County10.7%$473
80Clark County10.6%$584
81Hancock County10.6%$541
82Hardin County10.6%$471
83Saline County10.6%$457
84Crawford County10.5%$562
85Lawrence County10.5%$488
86Edgar County10.3%$489
87Hamilton County10.3%$521
88Mason County10.3%$504
89Montgomery County10.3%$530
90Stark County10.3%$498
91Cumberland County10.1%$603
92Marion County10.1%$500
93Moultrie County10%$605
94Greene County9.8%$480
95Schuyler County9.8%$522
96Warren County9.8%$510
97Gallatin County9.7%$421
98Henderson County9.6%$518
99Edwards County9.5%$481
100Alexander County9%$304
101Cass County8.8%$478
102Scott County8.4%$493

Methodology

Every county figure for Illinois uses the county's own median home value and median household income from the Census American Community Survey 5-year estimates, a 20% deposit, and the current 30-year fixed rate from FRED (MORTGAGE30US) amortised over 30 years.

The share shown is annualised principal and interest divided by median household income. Property tax, insurance and HOA dues are excluded so the comparison between counties stays like-for-like.

Counties without both a published home value and a published income are left out entirely rather than filled with an estimate, so the table is shorter than the county list in some states.

Sources: FRED series MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey; U.S. Census Bureau, American Community Survey 5-year estimates. American Community Survey 5-year estimates, 2022.