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.

Home Value$264,077

+8.4%

Prices rising — worse for buyers.

Affordability

Enter your income for Carlock.

Income (annual)

Down Payment

$52,815 on $264,077

Example: $75,000 household income. Change it above to see your own.

Stretch31.6% 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$1.93M Winnetka$1.73M Glencoe$1.51M Bannockburn$1.22M Golf$1.19M Hinsdale$1.18M Lake Forest$1.14M South Barrington$1.08M

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