Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$238,006+8.4% YoY · prices are rising fast
Market right nowBalanced marketMore homes for sale than last year, 22% have cut their price
Income needed to buy, per year$51,595About 0.6× the local median income ($80,221): affordable for a typical household
Days on market43 daysAbout the same pace as a year ago
The typical home in Ogle County, IL is worth $238,006, up 8.4% from a year ago. That is well above what local incomes have historically supported: fair value is about $207,600, so the area is 14.6% overvalued. It is a balanced market: homes take about 43 days to sell, listings are up 30% from a year ago, 22% of listings have had a price cut. A household needs about $51,595 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 $80,221. In the latest IRS figures, 10 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
$238,006
Change in 1 year
+8.4%
Overvalued %
+14.6%
Show 6 more
Fair home value
$207,600
Change in 5 years
+33.7%
Home value to income
3.0×
Monthly mortgage payment (20% down)
$1,290
Income needed to afford it
$51,595
Property tax rate
2.06%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,080
Market activity
Listings vs a year ago
+30.1%
Days on market
43
Listings with a price cut
21.6%
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Homes for sale
108
Pending sales per 100 listings
56
Asking price per sq ft
$138
People and jobs
Median household income
$80,221
Population change (1 year)
+0.2%
Unemployment rate
5.0%
Show 4 more
Population
51,399
Income adjusted for cost of living
$91,786
Net moves in (IRS)
−10
Cost of living (US = 100)
87.4
Schools, risk and environment
School rating (1 to 10)
6.4
FEMA hazard risk score (0 to 100)
71.1
Flood risk score
77.0
Show 3 more
Wildfire risk score
11.4
Walkability (1 to 20)
5.9
Road, rail and air noise
52 dB
Questions people ask
Is Ogle County, IL overvalued?
Home prices in Ogle County, IL are well above what local incomes have historically supported: fair value is about $207,600, so the area is 14.6% overvalued.
Is Ogle County, IL a buyer's or seller's market?
Ogle County, IL is a balanced market: homes take about 43 days to sell, listings are up 30% from a year ago, 22% of listings have had a price cut.
Are home prices going down in Ogle County, IL?
Home values in Ogle County, IL are up 8.4% over the last year.
How much do you need to earn to buy a home in Ogle County, IL?
A household needs about $51,595 a year to afford the typical home in Ogle County, IL at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $80,221.