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.

Home Value$247,609

+8.9%

Prices rising — worse for buyers.

Affordability

Enter your income for Philo.

Income (annual)

Down Payment

$49,522 on $247,609

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

Stretch29.8% 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$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 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

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.

Philo, IL