Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$144,350+2.3% YoY · prices are rising
Market right nowBalanced marketMore homes for sale than last year, 18% have cut their price
Income needed to buy, per year$31,292About 0.5× the local median income ($69,440): affordable for a typical household
Days on market61 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+2.6%Zillow expects prices to rise slightly
The typical home in Macoupin County, IL is worth $144,350, up 2.3% from a year ago. That is well below what local incomes have historically supported: fair value is about $176,748, so the area is 18.3% undervalued. It is a balanced market: homes take about 61 days to sell, listings are up 11% from a year ago, 18% of listings have had a price cut. Zillow expects prices to rise about 2.6% over the next year. A household needs about $31,292 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 $69,440. In the latest IRS figures, 22 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
$144,350
Change in 1 year
+2.3%
Overvalued %
−18.3%
Show 7 more
Fair home value
$176,748
Change in 5 years
+9.0%
Zillow forecast, next 12 months
+2.6%
Home value to income
2.1×
Monthly mortgage payment (20% down)
$782
Income needed to afford it
$31,292
Property tax rate
1.50%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$978
Market activity
Listings vs a year ago
+11.1%
Days on market
61
Listings with a price cut
17.9%
Show 3 more
Homes for sale
90
Pending sales per 100 listings
59
Asking price per sq ft
$104
People and jobs
Median household income
$69,440
Population change (1 year)
−0.4%
Unemployment rate
3.7%
Show 4 more
Population
43,748
Income adjusted for cost of living
$73,018
Net moves in (IRS)
−22
Cost of living (US = 100)
95.1
Schools, risk and environment
School rating (1 to 10)
5.5
FEMA hazard risk score (0 to 100)
79.9
Unhealthy air days a year
1
Show 4 more
Flood risk score
68.7
Wildfire risk score
9.3
Walkability (1 to 20)
6.5
Road, rail and air noise
52 dB
Questions people ask
Is Macoupin County, IL overvalued?
Home prices in Macoupin County, IL are well below what local incomes have historically supported: fair value is about $176,748, so the area is 18.3% undervalued.
Is Macoupin County, IL a buyer's or seller's market?
Macoupin County, IL is a balanced market: homes take about 61 days to sell, listings are up 11% from a year ago, 18% of listings have had a price cut.
Are home prices going down in Macoupin County, IL?
Home values in Macoupin County, IL are up 2.3% over the last year. Zillow's forecast for the next 12 months is +2.6%.
How much do you need to earn to buy a home in Macoupin County, IL?
A household needs about $31,292 a year to afford the typical home in Macoupin County, IL at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $69,440.