Shelby County, IL Average Home Price (2026)
The average home price in Shelby County, Illinois is about $169,000 (the 2026 median across 13 ZIP codes, at ~$108/sq ft) — 14% more affordable than the Illinois median and 42% more affordable than the typical U.S. home.
How Shelby County compares
Shelby County is relatively affordable for housing nationally: its typical home costs $169,000 against $197,000 for Illinois and $289,000 for the U.S. Within the county, ZIP-level values run from about $152,000 to $236,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Shelby County | $169,000 | $108 |
| Illinois | $197,000 | $134 |
| United States | $289,000 | $193 |
Shelby County home prices by ZIP code
The 13 most valuable ZIP codes in Shelby County (of 13 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 62444 Mode | $236,000 | $124 | +40% |
| 62462 Sigel | $225,000 | $161 | +33% |
| 62553 Oconee | $202,000 | $106 | +20% |
| 62438 Lakewood | $197,000 | $104 | +17% |
| 62465 Stewardson | $185,000 | $81 | +9% |
| 62431 Herrick | $175,000 | $57 | +4% |
| 62550 Moweaqua | $169,000 | $98 | +0% |
| 62463 Stewardson | $167,000 | $127 | -1% |
| 62534 Findlay | $158,000 | $108 | -7% |
| 62571 Tower Hill | $158,000 | $118 | -7% |
| 61957 Windsor | $156,000 | $43 | -8% |
| 62422 Cowden | $152,000 | $109 | -10% |
| 62565 Shelbyville | $152,000 | $108 | -10% |
Home value appreciation in Shelby County
Home prices in Shelby County have risen about 65% over the last 10 years (≈5.1% a year) and +92.0% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.0% — still rising. A home worth $169,000 today was worth roughly $102,424 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 Shelby County
Run the numbers for Shelby County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Shelby County
To buy the typical $169,000 home in Shelby County with 20% down, you need a household income of roughly $46,000 a year (about $1,070 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $55,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $8,500 | $1,330/mo | $57,000/yr |
| 10% (+PMI) | $16,900 | $1,270/mo | $55,000/yr |
| 20% | $33,800 | $1,070/mo | $46,000/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 Shelby County
At about $108 per square foot, here is roughly how much home different budgets get you in Shelby County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1390 sq ft | around the typical home here |
| $200k | 1850 sq ft | around the typical home here |
| $250k | 2310 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2780 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 3700 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 Shelby County
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Shelby 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.