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.
See the full metro analysis: Champaign-Urbana, IL stress score, crash risk, and 12-month forecast →
Home Value$262,941
+9.2%
AFFORDABILITY6.50% 30yr, 20% down, county tax + IL ins. 28% per HUD.
Enter your income for Monticello.
$52,588 on $262,941
Stretch — 31.5% of income
Above 28% but manageable with cuts.
PITI$1,968
P/I31.5%
Afford$234K
Gap-$29K
P&I $1,330Tax $489Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Illinois
Compare Monticello with other housing markets across Illinois.
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 →