Macoupin County, IL Average Home Price (2026)
The average home price in Macoupin County, Illinois is about $125,000 (the 2026 median across 15 ZIP codes, at ~$98/sq ft) — 37% more affordable than the Illinois median and 57% more affordable than the typical U.S. home.
How Macoupin County compares
Macoupin County is relatively affordable for housing nationally: its typical home costs $125,000 against $197,000 for Illinois and $289,000 for the U.S. Within the county, ZIP-level values run from about $73,000 to $543,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Macoupin County | $125,000 | $98 |
| Illinois | $197,000 | $134 |
| United States | $289,000 | $193 |
Macoupin County home prices by ZIP code
The 15 most valuable ZIP codes in Macoupin County (of 15 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 62649 Hettick | $543,000 | $286 | +334% |
| 62014 Bunker Hill | $184,000 | $117 | +47% |
| 62088 Staunton | $171,000 | $125 | +37% |
| 62685 Shipman | $163,000 | $169 | +30% |
| 62640 Girard | $155,000 | $102 | +24% |
| 62626 Carlinville | $152,000 | $90 | +22% |
| 62674 Palmyra | $131,000 | $105 | +5% |
| 62690 Virden | $125,000 | $95 | +0% |
| 62033 Gillespie | $119,000 | $83 | -5% |
| 62069 Lake Ka-ho | $118,000 | $98 | -6% |
| 62085 Sawyerville | $106,000 | $56 | -15% |
| 62630 Chesterfield | $104,000 | $55 | -17% |
| 62667 Modesto | $104,000 | $55 | -17% |
| 62009 Benld | $78,000 | $26 | -38% |
| 62093 Wilsonville | $73,000 | $109 | -42% |
Home value appreciation in Macoupin County
Home prices in Macoupin County have risen about 52% over the last 10 years (≈4.3% a year) and +60.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.2% — still rising. A home worth $125,000 today was worth roughly $82,291 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 Macoupin County
Run the numbers for Macoupin County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Macoupin County
To buy the typical $125,000 home in Macoupin County with 20% down, you need a household income of roughly $34,000 a year (about $790 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $40,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $6,300 | $990/mo | $42,000/yr |
| 10% (+PMI) | $12,500 | $940/mo | $40,000/yr |
| 20% | $25,000 | $790/mo | $34,000/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 Macoupin County
At about $98 per square foot, here is roughly how much home different budgets get you in Macoupin County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1530 sq ft | around the typical home here |
| $200k | 2040 sq ft | above the median — larger homes or the pricier ZIPs |
| $250k | 2550 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 3060 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 Macoupin County
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Macoupin 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.