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.
See the full metro analysis: Ottawa, IL stress score, crash risk, and 12-month forecast →
Home Value$199,840
+10.5%
Rent$1,088/mo
AFFORDABILITYRenting $444/mo cheaper ($1,088 rent)6.50% 30yr, 20% down, county tax + IL ins. 28% per HUD.
Enter your income for Ottawa.
$39,968 on $199,840
Affordable — 24.5% of income
Under the 28% guideline.
PITI$1,532
P/I24.5%
Afford$228K
Room+$28K
P&I $1,010Tax $371Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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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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