Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$121,016+5.4% YoY · prices are rising fast
Market right nowBalanced marketMore homes for sale than last year, 24% have cut their price
Income needed to buy, per year$26,234About 0.4× the local median income ($63,587): affordable for a typical household
Days on market54 daysSlower than a year ago: buyers have time to negotiate
The typical home in Fulton County, IL is worth $121,016, up 5.4% from a year ago. That is well below what local incomes have historically supported: fair value is about $139,626, so the area is 13.3% undervalued. It is a balanced market: homes take about 54 days to sell, listings are up 6% from a year ago, 24% of listings have had a price cut. A household needs about $26,234 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 $63,587. In the latest IRS figures, 223 more people moved out than in.
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
$121,016
Change in 1 year
+5.4%
Overvalued %
−13.3%
Show 6 more
Fair home value
$139,626
Change in 5 years
+6.1%
Home value to income
1.9×
Monthly mortgage payment (20% down)
$656
Income needed to afford it
$26,234
Property tax rate
2.13%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$930
Market activity
Listings vs a year ago
+6.3%
Days on market
54
Listings with a price cut
24.5%
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Homes for sale
101
Pending sales per 100 listings
40
Asking price per sq ft
$80
People and jobs
Median household income
$63,587
Population change (1 year)
+0.3%
Unemployment rate
6.7%
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Population
32,901
Income adjusted for cost of living
$72,754
Net moves in (IRS)
−223
Cost of living (US = 100)
87.4
Schools, risk and environment
School rating (1 to 10)
4.9
FEMA hazard risk score (0 to 100)
59.0
Flood risk score
57.6
Show 3 more
Wildfire risk score
4.9
Walkability (1 to 20)
5.9
Road, rail and air noise
52 dB
Questions people ask
Is Fulton County, IL overvalued?
Home prices in Fulton County, IL are well below what local incomes have historically supported: fair value is about $139,626, so the area is 13.3% undervalued.
Is Fulton County, IL a buyer's or seller's market?
Fulton County, IL is a balanced market: homes take about 54 days to sell, listings are up 6% from a year ago, 24% of listings have had a price cut.
Are home prices going down in Fulton County, IL?
Home values in Fulton County, IL are up 5.4% over the last year.
How much do you need to earn to buy a home in Fulton County, IL?
A household needs about $26,234 a year to afford the typical home in Fulton County, IL at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $63,587.