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.

Home Value$301,381

+4.3%

Rent$1,616/mo

Prices rising — worse for buyers.

Affordability

Enter your income for O Fallon.

Income (annual)

Down Payment

$60,276 on $301,381

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

Stretch35.7% of income

Above 28% but manageable with cuts.

PITI$2,234

P/I35.7%

Afford$236K

Gap-$65K

P&I $1,524Tax $560Ins $150

Renting $618/mo cheaper ($1,616 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 O Fallon 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 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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O Fallon, IL