Franklin County, IL Average Home Price (2026)
The average home price in Franklin County, Illinois is about $127,000 (the 2026 median across 13 ZIP codes, at ~$94/sq ft) — 36% more affordable than the Illinois median and 56% more affordable than the typical U.S. home.
How Franklin County compares
Franklin County is relatively affordable for housing nationally: its typical home costs $127,000 against $197,000 for Illinois and $289,000 for the U.S. Within the county, ZIP-level values run from about $59,000 to $296,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Franklin County | $127,000 | $94 |
| Illinois | $197,000 | $134 |
| United States | $289,000 | $193 |
Franklin County home prices by ZIP code
The 13 most valuable ZIP codes in Franklin County (of 13 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 62819 Buckner | $296,000 | $156 | +133% |
| 62897 Whittington | $245,000 | $129 | +93% |
| 62865 Mulkeytown | $215,000 | $113 | +69% |
| 62860 Macedonia | $179,000 | $94 | +41% |
| 62836 Ewing | $171,000 | $90 | +35% |
| 62890 Thompsonville | $157,000 | $180 | +24% |
| 62812 West City | $127,000 | $105 | +0% |
| 62884 Sesser | $119,000 | $95 | -6% |
| 62896 West Frankfort | $107,000 | $82 | -16% |
| 62856 Logan | $89,000 | $47 | -30% |
| 62983 Royalton | $84,000 | $74 | -34% |
| 62822 Christopher | $77,000 | $70 | -39% |
| 62999 Zeigler | $59,000 | $55 | -54% |
Home value appreciation in Franklin County
Home prices in Franklin County have risen about 50% over the last 10 years (≈4.1% a year) and +78.0% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +0.4% — roughly flat. A home worth $127,000 today was worth roughly $84,893 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 Franklin County
Run the numbers for Franklin County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Franklin County
To buy the typical $127,000 home in Franklin County with 20% down, you need a household income of roughly $35,000 a year (about $810 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $41,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $6,400 | $1,000/mo | $43,000/yr |
| 10% (+PMI) | $12,700 | $960/mo | $41,000/yr |
| 20% | $25,400 | $810/mo | $35,000/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 Franklin County
At about $94 per square foot, here is roughly how much home different budgets get you in Franklin County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1600 sq ft | around the typical home here |
| $200k | 2130 sq ft | above the median — larger homes or the pricier ZIPs |
| $250k | 2660 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 3190 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 Franklin County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Franklin County home prices: frequently asked
What is the average home price in Franklin County, IL? +
What salary do you need to buy a house in Franklin County? +
Which part of Franklin County is most expensive? +
Are home values in Franklin County going up? +
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.