ZIP Code 61820 — Champaign, IL Home Prices (2026)
The typical home in ZIP 61820 (Champaign, Illinois) is worth about $186,000 at roughly $179 per square foot — 11% more affordable than the Champaign median and 37% more affordable than the typical U.S. home.
How 61820 compares
ZIP 61820 is one of the more affordable ZIP codes in Champaign: its typical home value of $186,000 ranks #3 of the 3 Champaign ZIP codes we track (the citywide range runs from $186,000 in 61820 to $336,000 in 61822). Per square foot it costs about $179, against $179 for Champaign as a whole, $135 for Illinois, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 61820 | $186,000 | $179 |
| Champaign, IL | $208,000 | $179 |
| Illinois | $200,000 | $135 |
| United States | $294,000 | $195 |
Home value by size in 61820
Using this ZIP’s rate of about $179 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $179,000 |
| 1,500 sq ft | $268,500 |
| 2,000 sq ft | $358,000 |
| 2,500 sq ft | $447,500 |
| 3,000 sq ft | $537,000 |
Salary needed to buy a home in ZIP 61820
To buy the typical $186,000 home in ZIP 61820 with 20% down, you need a household income of roughly $51,000 a year (about $1,180 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $60,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,300 | $1,470/mo | $63,000/yr |
| 10% (+PMI) | $18,600 | $1,400/mo | $60,000/yr |
| 20% | $37,200 | $1,180/mo | $51,000/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 ZIP 61820
At about $179 per square foot, here is roughly how much home different budgets get you in ZIP 61820:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 840 sq ft | around the typical home here |
| $200k | 1120 sq ft | around the typical home here |
| $250k | 1400 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 1680 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2230 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 pre-filled with a typical 61820 home.
Estimate a specific home in 61820
The estimator below is pre-set to ZIP 61820 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Champaign ZIP codes by home value
Where 61820 sits among Champaign’s 3 ZIP codes:
ZIP 61820 home prices: frequently asked
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See the full Champaign home values page, all Illinois cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.