McDonough County, IL Average Home Price (2026)
The average home price in McDonough County, Illinois is about $100,000 (the 2026 median across 8 ZIP codes, at ~$67/sq ft) — 49% more affordable than the Illinois median and 65% more affordable than the typical U.S. home.
How McDonough County compares
McDonough County is relatively affordable for housing nationally: its typical home costs $100,000 against $197,000 for Illinois and $289,000 for the U.S. Within the county, ZIP-level values run from about $69,000 to $122,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| McDonough County | $100,000 | $67 |
| Illinois | $197,000 | $134 |
| United States | $289,000 | $193 |
McDonough County home prices by ZIP code
The 8 most valuable ZIP codes in McDonough County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 61470 Prairie City | $122,000 | $64 | +22% |
| 61438 Good Hope | $120,000 | $69 | +20% |
| 61455 Macomb | $114,000 | $80 | +14% |
| 61440 Industry | $100,000 | $61 | +0% |
| 62326 Colchester | $100,000 | $79 | +0% |
| 61420 Blandinsville | $93,000 | $97 | -7% |
| 61475 Sciota | $93,000 | $49 | -7% |
| 61422 Bushnell | $69,000 | $62 | -31% |
Home value appreciation in McDonough County
Home prices in McDonough County have risen about 26% over the last 10 years (≈2.4% a year) and +43.0% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +0.3% — roughly flat. A home worth $100,000 today was worth roughly $79,114 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 McDonough County
Run the numbers for McDonough County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in McDonough County
To buy the typical $100,000 home in McDonough County with 20% down, you need a household income of roughly $27,000 a year (about $630 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $32,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $5,000 | $790/mo | $34,000/yr |
| 10% (+PMI) | $10,000 | $750/mo | $32,000/yr |
| 20% | $20,000 | $630/mo | $27,000/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 McDonough County
At about $67 per square foot, here is roughly how much home different budgets get you in McDonough County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 2240 sq ft | above the median — larger homes or the pricier ZIPs |
| $200k | 2990 sq ft | above the median — larger homes or the pricier ZIPs |
| $250k | 3730 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 4480 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 McDonough County
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McDonough 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.