Montgomery County, IL

Comprehensive housing, income, and cost of living data for Montgomery County, Illinois. Population: 28.4K.

Median Home Price
$128.8K

Based on 8 cities

Median Household Income
$61.9K

Annual household income

Price-to-Income Ratio
2.1x

Highly affordable

Salary Needed to Buy
$36.5K

30-yr mortgage, 6.5% rate, 20% down

Housing & Finance

Annual Property Tax
$1,758

Average annual amount

Effective Tax Rate
1.37%

Property tax / home value

Monthly Housing Costs
Mortgage (P&I)$651
Property Tax$147
Insurance$53.66
Total Monthly$851
Historical Home Prices
2015
$88.7K
2016
$88.6K
-0.2%%
2017
$88.4K
-0.1%%
2018
$87.9K
-0.6%%
2019
$103.7K
+18.0%%
2020
$107.1K
+3.3%%
2021
$109.3K
+2.0%%
2022
$111.1K
+1.7%%
2023
$110.7K
-0.4%%
2024
$114.1K
+3.1%%
2025
$122.2K
+7.1%%
Source: County price history data via Zillow ZHVI

Demographics & Economics

Unemployment Rate
5.6%%

Near national average

Population Density
40

People per square mile

Homicide Rate
12.7

Medium (per 100K residents)

Political Lean (2020)
Competitive

R+0

Racial Demographics

White
92%
Black
2.7%
Hispanic
2.1%
Asian
0.5%
Two or More Races
2.3%

Source: Census ACS 2023. Hispanic/Latino ethnicity counted separately from race.

Climate & Environment

Average Temperature
54°F

Annual average

Sunny Days
182

Days per year

Annual Rainfall
41.0"

Inches per year

Natural Disaster Risk
High Risk

Score: 65/100

Frequently Asked Questions

What is the median home price in Montgomery County, IL?

The median home price in Montgomery County, Illinois is $128.8K. The price-to-income ratio is 2.1x, meaning the median home costs 2.1 times the median household income.

What salary do you need to buy a home in Montgomery County?

Based on a 30-year mortgage at 6.5% with 20% down and the 28% debt-to-income rule, you need approximately $36.5K per year to buy the median home in Montgomery County, IL. Monthly housing costs break down to $651 for mortgage, $147 for property tax, and $53.66 for insurance.

What is the property tax rate in Montgomery County?

The effective property tax rate in Montgomery County is 1.37%, which comes to approximately $1,758 per year on the median home.

What is the median household income in Montgomery County?

The median household income in Montgomery County, Illinois is $61.9K per year, based on Census Bureau American Community Survey data. The unemployment rate is 5.6%%.

Is Montgomery County a good place to live?

Montgomery County, Illinois has a population of 28.4K. Housing affordability is strong with a price-to-income ratio of 2.1x. The climate averages 54 degrees F with 182 sunny days per year. Compare Montgomery County with other areas using our cost of living tools to find the best fit for your budget and lifestyle.