Jefferson County, IL Average Home Price (2026)
The average home price in Jefferson County, Illinois is about $198,000 (the 2026 median across 11 ZIP codes, at ~$113/sq ft) — 1% more expensive than the Illinois median and 31% more affordable than the typical U.S. home.
How Jefferson County compares
Jefferson County is relatively affordable for housing nationally: its typical home costs $198,000 against $197,000 for Illinois and $289,000 for the U.S. Within the county, ZIP-level values run from about $110,000 to $749,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Jefferson County | $198,000 | $113 |
| Illinois | $197,000 | $134 |
| United States | $289,000 | $193 |
Jefferson County home prices by ZIP code
The 11 most valuable ZIP codes in Jefferson County (of 11 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 62889 Texico | $749,000 | $394 | +278% |
| 62830 Dix | $285,000 | $150 | +44% |
| 62898 Woodlawn | $281,000 | $148 | +42% |
| 62814 Bluford | $215,000 | $113 | +9% |
| 62883 Scheller | $209,000 | $110 | +6% |
| 62816 Bonnie | $198,000 | $104 | +0% |
| 62893 Walnut Hill | $191,000 | $145 | -4% |
| 62810 Belle Rive | $158,000 | $83 | -20% |
| 62894 Waltonville | $142,000 | $75 | -28% |
| 62864 Mount Vernon | $138,000 | $115 | -30% |
| 62872 Opdyke | $110,000 | $58 | -44% |
Home value appreciation in Jefferson County
Home prices in Jefferson County have risen about 59% over the last 10 years (≈4.8% a year) and +73.9% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.6% — still rising. A home worth $198,000 today was worth roughly $124,528 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 Jefferson County
Run the numbers for Jefferson County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Jefferson County
To buy the typical $198,000 home in Jefferson County with 20% down, you need a household income of roughly $54,000 a year (about $1,260 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $64,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,900 | $1,560/mo | $67,000/yr |
| 10% (+PMI) | $19,800 | $1,490/mo | $64,000/yr |
| 20% | $39,600 | $1,260/mo | $54,000/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 Jefferson County
At about $113 per square foot, here is roughly how much home different budgets get you in Jefferson County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1330 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1770 sq ft | around the typical home here |
| $250k | 2210 sq ft | around the typical home here |
| $300k | 2650 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 3540 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 Jefferson County
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Jefferson 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.