The median home in Charleston, Illinois is valued at $155,549, up 8.3% year over year. Typical monthly rent is $798, producing a price-to-rent ratio of 16.2x — near the national average of 18x. Charleston is part of the Charleston-Mattoon, IL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$155,549

+8.3%

Rent$798/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Charleston.

Income (annual)

Down Payment

$31,110 on $155,549

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

Affordable19.6% of income

Under the 28% guideline.

PITI$1,226

P/I19.6%

Afford$222K

Room+$66K

P&I $787Tax $289Ins $150

Renting $428/mo cheaper ($798 rent)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 Charleston 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 Charleston-Mattoon, IL analysis

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

View Charleston-Mattoon, IL metro

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Charleston, IL