Jo Daviess County, IL Average Home Price (2026)
The average home price in Jo Daviess County, Illinois is about $212,000 (the 2026 median across 9 ZIP codes, at ~$169/sq ft) — 8% more expensive than the Illinois median and 27% more affordable than the typical U.S. home.
How Jo Daviess County compares
Jo Daviess County is relatively affordable for housing nationally: its typical home costs $212,000 against $197,000 for Illinois and $289,000 for the U.S. Within the county, ZIP-level values run from about $89,000 to $323,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Jo Daviess County | $212,000 | $169 |
| Illinois | $197,000 | $134 |
| United States | $289,000 | $193 |
Jo Daviess County home prices by ZIP code
The 9 most valuable ZIP codes in Jo Daviess County (of 9 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 61001 Apple River | $323,000 | $169 | +52% |
| 61036 Galena | $302,000 | $199 | +42% |
| 61025 East Dubuque | $232,000 | $157 | +9% |
| 61075 Scales Mound | $213,000 | $231 | +0% |
| 61028 Elizabeth | $212,000 | $213 | +0% |
| 61085 Stockton | $158,000 | $123 | -25% |
| 61087 Apple River | $125,000 | $106 | -41% |
| 61041 Hanover | $115,000 | $221 | -46% |
| 61059 Nora | $89,000 | $47 | -58% |
Home value appreciation in Jo Daviess County
Home prices in Jo Daviess County have risen about 57% over the last 10 years (≈4.6% a year) and +60.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +7.9% — still rising. A home worth $212,000 today was worth roughly $134,946 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 Jo Daviess County
Run the numbers for Jo Daviess County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Jo Daviess County
To buy the typical $212,000 home in Jo Daviess County with 20% down, you need a household income of roughly $58,000 a year (about $1,350 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $69,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,600 | $1,670/mo | $72,000/yr |
| 10% (+PMI) | $21,200 | $1,600/mo | $69,000/yr |
| 20% | $42,400 | $1,350/mo | $58,000/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 Jo Daviess County
At about $169 per square foot, here is roughly how much home different budgets get you in Jo Daviess County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 890 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1180 sq ft | around the typical home here |
| $250k | 1480 sq ft | around the typical home here |
| $300k | 1780 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2370 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 Jo Daviess County
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Jo Daviess 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.