Madison County, IL Average Home Price (2026)
The average home price in Madison County, Illinois is about $217,500 (the 2026 median across 26 ZIP codes, at ~$143/sq ft) — 10% more expensive than the Illinois median and 25% more affordable than the typical U.S. home.
How Madison County compares
Madison County is about average for housing nationally: its typical home costs $217,500 against $197,000 for Illinois and $289,000 for the U.S. Within the county, ZIP-level values run from about $49,000 to $361,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Madison County | $217,500 | $143 |
| Illinois | $197,000 | $134 |
| United States | $289,000 | $193 |
Madison County home prices by ZIP code
The 15 most valuable ZIP codes in Madison County (of 26 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 62281 Saint Jacob | $361,000 | $193 | +66% |
| 62034 Glen Carbon | $334,000 | $184 | +54% |
| 62062 Maryville | $332,000 | $158 | +53% |
| 62294 Troy | $331,000 | $161 | +52% |
| 62025 Edwardsville | $330,000 | $181 | +52% |
| 62097 Worden | $306,000 | $181 | +41% |
| 62021 Dorsey | $291,000 | $188 | +34% |
| 62046 Hamel | $283,000 | $181 | +30% |
| 62001 Alhambra | $282,000 | $293 | +30% |
| 62249 Highland | $275,000 | $143 | +26% |
| 62061 Marine | $267,000 | $171 | +23% |
| 62067 Moro | $227,000 | $162 | +4% |
| 62035 Godfrey | $219,000 | $143 | +1% |
| 62074 Alhambra | $216,000 | $136 | -1% |
| 62010 Bethalto | $205,000 | $144 | -6% |
Home value appreciation in Madison County
Home prices in Madison County have risen about 66% over the last 10 years (≈5.2% a year) and +64.1% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +6.7% — still rising. A home worth $217,500 today was worth roughly $131,103 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 Madison County
Run the numbers for Madison County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Madison County
To buy the typical $217,500 home in Madison County with 20% down, you need a household income of roughly $59,000 a year (about $1,380 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $70,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,900 | $1,720/mo | $74,000/yr |
| 10% (+PMI) | $21,800 | $1,640/mo | $70,000/yr |
| 20% | $43,500 | $1,380/mo | $59,000/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 Madison County
At about $143 per square foot, here is roughly how much home different budgets get you in Madison County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1050 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1400 sq ft | around the typical home here |
| $250k | 1750 sq ft | around the typical home here |
| $300k | 2100 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2800 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 Madison County
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Madison 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.