The median home in Ottawa, Illinois is valued at $199,840, up 10.5% year over year. Typical monthly rent is $1,088, producing a price-to-rent ratio of 15.3x — near the national average of 18x. Ottawa is part of the Ottawa, IL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$199,840

+10.5%

Rent$1,088/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Ottawa.

Income (annual)

Down Payment

$39,968 on $199,840

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

Affordable24.5% of income

Under the 28% guideline.

PITI$1,532

P/I24.5%

Afford$228K

Room+$28K

P&I $1,010Tax $371Ins $150

Renting $444/mo cheaper ($1,088 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 Ottawa 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 Ottawa, IL analysis

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

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