Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$177,682+1.2% YoY · prices are rising
Market right nowBalanced marketMore homes for sale than last year, 17% have cut their price
Income needed to buy, per year$38,518About 0.5× the local median income ($78,110): 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 Saint Clair County, IL is worth $177,682, up 1.2% from a year ago. That is well below what local incomes have historically supported: fair value is about $205,073, so the area is 13.4% undervalued. It is a balanced market: homes take about 61 days to sell, listings are up 21% from a year ago, 17% of listings have had a price cut. Zillow expects prices to rise about 2.6% over the next year. A household needs about $38,518 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 $78,110. Typical rent is $1,333 a month, or $1,578 for a house. In the latest IRS figures, 595 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
$177,682
Change in 1 year
+1.2%
Overvalued %
−13.4%
Show 7 more
Fair home value
$205,073
Change in 5 years
+18.9%
Zillow forecast, next 12 months
+2.6%
Home value to income
2.3×
Monthly mortgage payment (20% down)
$963
Income needed to afford it
$38,518
Property tax rate
2.03%
Rent and investing
Typical rent
$1,333
Typical rent for houses
$1,578
Price-to-rent ratio
11.1×
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HUD Fair Market Rent, 2 bedrooms
$1,349
Gross rental yield
9.00%
Cap rate (estimate)
5.85%
Market activity
Listings vs a year ago
+21.2%
Days on market
61
Listings with a price cut
17.0%
Show 3 more
Homes for sale
800
Pending sales per 100 listings
42
Asking price per sq ft
$127
People and jobs
Median household income
$78,110
Population change (1 year)
−0.3%
Unemployment rate
6.0%
Show 4 more
Population
250,708
Income adjusted for cost of living
$82,135
Net moves in (IRS)
−595
Cost of living (US = 100)
95.1
Schools, risk and environment
School rating (1 to 10)
5.9
FEMA hazard risk score (0 to 100)
94.9
Flood risk score
94.5
Show 3 more
Wildfire risk score
15.1
Walkability (1 to 20)
10.2
Road, rail and air noise
53 dB
Questions people ask
Is Saint Clair County, IL overvalued?
Home prices in Saint Clair County, IL are well below what local incomes have historically supported: fair value is about $205,073, so the area is 13.4% undervalued.
Is Saint Clair County, IL a buyer's or seller's market?
Saint Clair County, IL is a balanced market: homes take about 61 days to sell, listings are up 21% from a year ago, 17% of listings have had a price cut.
Are home prices going down in Saint Clair County, IL?
Home values in Saint Clair County, IL are up 1.2% 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 Saint Clair County, IL?
A household needs about $38,518 a year to afford the typical home in Saint Clair County, IL at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $78,110.