The median home in Decatur, Illinois is valued at $98,014, up 7.6% year over year. Typical monthly rent is $1,018, producing a price-to-rent ratio of 8x — below the national average of 18x. Decatur is part of the Decatur, IL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$98,014

+7.6%

Rent$1,018/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Decatur.

Income (annual)

Down Payment

$19,603 on $98,014

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

Affordable13.2% of income

Under the 28% guideline.

PITI$828

P/I13.2%

Afford$207K

Room+$109K

P&I $496Tax $182Ins $150

Buying $190/mo cheaper ($1,018 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 Decatur 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 Decatur, IL analysis

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

View Decatur, IL metro

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.