Ford County, IL Average Home Price (2026)
The average home price in Ford County, Illinois is about $155,000 (the 2026 median across 9 ZIP codes, at ~$100/sq ft) — 21% more affordable than the Illinois median and 46% more affordable than the typical U.S. home.
How Ford County compares
Ford County is relatively affordable for housing nationally: its typical home costs $155,000 against $197,000 for Illinois and $289,000 for the U.S. Within the county, ZIP-level values run from about $112,000 to $238,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Ford County | $155,000 | $100 |
| Illinois | $197,000 | $134 |
| United States | $289,000 | $193 |
Ford County home prices by ZIP code
The 9 most valuable ZIP codes in Ford County (of 9 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 60933 Elliott | $238,000 | $125 | +54% |
| 60936 Gibson City | $177,000 | $165 | +14% |
| 60946 Kempton | $168,000 | $168 | +8% |
| 61773 Sibley | $156,000 | $62 | +1% |
| 60957 Paxton | $155,000 | $146 | +0% |
| 60919 Cabery | $153,000 | $84 | -1% |
| 60952 Melvin | $124,000 | $92 | -20% |
| 60962 Roberts | $121,000 | $55 | -22% |
| 60959 Piper City | $112,000 | $100 | -28% |
Home value appreciation in Ford County
Home prices in Ford County have risen about 66% over the last 10 years (≈5.2% a year) and +68.8% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.5% — still rising. A home worth $155,000 today was worth roughly $93,373 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 Ford County
Run the numbers for Ford County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Ford County
To buy the typical $155,000 home in Ford County with 20% down, you need a household income of roughly $42,000 a year (about $980 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $50,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $7,800 | $1,220/mo | $52,000/yr |
| 10% (+PMI) | $15,500 | $1,170/mo | $50,000/yr |
| 20% | $31,000 | $980/mo | $42,000/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 Ford County
At about $100 per square foot, here is roughly how much home different budgets get you in Ford County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1500 sq ft | around the typical home here |
| $200k | 2000 sq ft | around the typical home here |
| $250k | 2500 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 3000 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 Ford County
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Ford 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.