The median home in Niantic, Illinois is valued at $121,637, up 4.7% year over year. Niantic is part of the Decatur, IL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$121,637

+4.7%

Prices rising — worse for buyers.

Affordability

Enter your income for Niantic.

Income (annual)

Down Payment

$24,327 on $121,637

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

Affordable15.9% of income

Under the 28% guideline.

PITI$991

P/I15.9%

Afford$215K

Room+$93K

P&I $615Tax $226Ins $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 Niantic 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.

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Niantic, IL