The median home in Monticello, Illinois is valued at $262,941, up 9.2% year over year. Monticello is part of the Champaign-Urbana, IL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$262,941

+9.2%

Prices rising — worse for buyers.

Affordability

Enter your income for Monticello.

Income (annual)

Down Payment

$52,588 on $262,941

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

Stretch31.5% of income

Above 28% but manageable with cuts.

PITI$1,968

P/I31.5%

Afford$234K

Gap-$29K

P&I $1,330Tax $489Ins $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 Monticello 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 Champaign-Urbana, IL analysis

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

View Champaign-Urbana, IL metro

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Monticello, IL