The median home in Carlock, Illinois is valued at $264,077, up 8.4% year over year. Carlock is part of the Bloomington, IL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Bloomington, IL stress score, crash risk, and 12-month forecast →

Home Value$264,077

+8.4%

AFFORDABILITY

Enter your income for Carlock.

Income (annual)

Down Payment

$52,815 on $264,077

Stretch — 31.6% of income

Above 28% but manageable with cuts.

PITI$1,976

P/I31.6%

Afford$234K

Gap-$30K

P&I $1,335Tax $491Ins $150

6.50% 30yr, 20% down, county tax + IL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Illinois

Compare Carlock with other housing markets across Illinois.

Kenilworth$1927K Winnetka$1731K Glencoe$1507K Bannockburn$1222K Golf$1186K Hinsdale$1182K Lake Forest$1136K South Barrington$1077K

Full Bloomington, IL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Bloomington, IL metro.

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CARLOCK, IL