Adams County, IL Average Home Price (2026)
The average home price in Adams County, Illinois is about $200,500 (the 2026 median across 14 ZIP codes, at ~$116/sq ft) — 2% more expensive than the Illinois median and 31% more affordable than the typical U.S. home.
How Adams County compares
Adams County is relatively affordable for housing nationally: its typical home costs $200,500 against $197,000 for Illinois and $289,000 for the U.S. Within the county, ZIP-level values run from about $142,000 to $261,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Adams County | $200,500 | $116 |
| Illinois | $197,000 | $134 |
| United States | $289,000 | $193 |
Adams County home prices by ZIP code
The 14 most valuable ZIP codes in Adams County (of 14 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 62305 Quincy | $261,000 | $149 | +30% |
| 62346 La Prairie | $243,000 | $128 | +21% |
| 62347 Liberty | $241,000 | $163 | +20% |
| 62338 Fowler | $237,000 | $181 | +18% |
| 62351 Mendon | $209,000 | $100 | +4% |
| 62320 Camp Point | $206,000 | $121 | +3% |
| 62325 Coatsburg | $201,000 | $106 | +0% |
| 62339 Golden | $200,000 | $105 | +0% |
| 62376 Ursa | $193,000 | $157 | -4% |
| 62365 Plainville | $188,000 | $99 | -6% |
| 62349 Loraine | $177,000 | $93 | -12% |
| 62324 Clayton | $170,000 | $110 | -15% |
| 62360 Payson | $168,000 | $159 | -16% |
| 62301 Quincy | $142,000 | $103 | -29% |
Home value appreciation in Adams County
Home prices in Adams County have risen about 55% over the last 10 years (≈4.5% a year) and +90.1% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +8.1% — still rising. A home worth $200,500 today was worth roughly $129,271 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Illinois is +64.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Adams County
Run the numbers for Adams County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Adams County
To buy the typical $200,500 home in Adams County with 20% down, you need a household income of roughly $55,000 a year (about $1,270 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $65,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,000 | $1,580/mo | $68,000/yr |
| 10% (+PMI) | $20,100 | $1,510/mo | $65,000/yr |
| 20% | $40,100 | $1,270/mo | $55,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Adams County
At about $116 per square foot, here is roughly how much home different budgets get you in Adams County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1290 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1720 sq ft | around the typical home here |
| $250k | 2160 sq ft | around the typical home here |
| $300k | 2590 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 3450 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Illinois.
Estimate a specific home in Adams County
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Adams County home prices: frequently asked
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Browse all Illinois cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.