The median home in Philo, Illinois is valued at $247,609, up 8.9% year over year. Philo is part of the Champaign-Urbana, IL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Champaign-Urbana, IL stress score, crash risk, and 12-month forecast →

Home Value$247,609

+8.9%

AFFORDABILITY

Enter your income for Philo.

Income (annual)

Down Payment

$49,522 on $247,609

Stretch — 29.8% of income

Above 28% but manageable with cuts.

PITI$1,862

P/I29.8%

Afford$233K

Gap-$15K

P&I $1,252Tax $460Ins $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 Philo with other housing markets across Illinois.

Kenilworth$1927K Winnetka$1731K Glencoe$1507K Bannockburn$1222K Golf$1186K Hinsdale$1182K Lake Forest$1136K South Barrington$1077K

Full Champaign-Urbana, IL analysis

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

View Champaign-Urbana, IL metro →

PHILO, IL