Data through September 2026 · updated 2026-11-08 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$186,171+6.6% YoY · prices are rising fast
Market right nowBalanced, leaning buyersMore homes for sale than last year, 31% have cut their price
Income needed to buy, per year$40,358About 0.6× the local median income ($68,432): affordable for a typical household
Days on market53 daysAbout the same pace as a year ago
The typical home in Adams County, IL is worth $186,171, up 6.6% from a year ago. That is slightly below what local incomes have historically supported: fair value is about $203,974, so the area is 8.7% undervalued. It is a balanced market, leaning toward buyers: homes take about 53 days to sell, listings are up 18% from a year ago, 31% of listings have had a price cut. A household needs about $40,358 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $68,432. Typical rent is $1,059 a month. In the latest IRS figures, 14 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$186,171
Change in 1 year
+6.6%
Overvalued %
−8.7%
Show 6 more
Fair home value
$203,974
Change in 5 years
+17.2%
Home value to income
2.7×
Monthly mortgage payment (20% down)
$1,009
Income needed to afford it
$40,358
Property tax rate
1.58%
Rent and investing
Typical rent
$1,059
Price-to-rent ratio
14.6×
HUD Fair Market Rent, 2 bedrooms
$1,013
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Gross rental yield
6.83%
Cap rate (estimate)
4.44%
Market activity
Listings vs a year ago
+18.4%
Days on market
53
Listings with a price cut
31.2%
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Homes for sale
161
Pending sales per 100 listings
39
Asking price per sq ft
$124
People and jobs
Median household income
$68,432
Population change (1 year)
+0.1%
Unemployment rate
3.9%
Show 4 more
Population
64,267
Income adjusted for cost of living
$78,297
Net moves in (IRS)
+14
Cost of living (US = 100)
87.4
Schools, risk and environment
School rating (1 to 10)
5.2
FEMA hazard risk score (0 to 100)
64.2
Unhealthy air days a year
0
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Flood risk score
60.7
Wildfire risk score
5.2
Walkability (1 to 20)
7.2
Road, rail and air noise
53 dB
Questions people ask
Is Adams County, IL overvalued?
Home prices in Adams County, IL are slightly below what local incomes have historically supported: fair value is about $203,974, so the area is 8.7% undervalued.
Is Adams County, IL a buyer's or seller's market?
Adams County, IL is a balanced market, leaning toward buyers: homes take about 53 days to sell, listings are up 18% from a year ago, 31% of listings have had a price cut.
Are home prices going down in Adams County, IL?
Home values in Adams County, IL are up 6.6% over the last year.
How much do you need to earn to buy a home in Adams County, IL?
A household needs about $40,358 a year to afford the typical home in Adams County, IL at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $68,432.