The median home in O Fallon, Illinois is valued at $301,381, up 4.3% year over year. Typical monthly rent is $1,616, producing a price-to-rent ratio of 15.5x — near the national average of 18x. O Fallon is part of the St. Louis, MO-IL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$301,381
+4.3%
Rent$1,616/mo
AFFORDABILITYRenting $618/mo cheaper ($1,616 rent)6.50% 30yr, 20% down, county tax + IL ins. 28% per HUD.
Enter your income for O Fallon.
$60,276 on $301,381
Stretch — 35.7% of income
Above 28% but manageable with cuts.
PITI$2,234
P/I35.7%
Afford$236K
Gap-$65K
P&I $1,524Tax $560Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Illinois
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Full St. Louis, MO-IL analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the St. Louis, MO-IL metro.
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