The median home in Swansea, Illinois is valued at $256,340, up 3.4% year over year. Typical monthly rent is $1,387, producing a price-to-rent ratio of 15.4x — near the national average of 18x. Swansea is part of the St. Louis, MO-IL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: St. Louis, MO-IL stress score, crash risk, and 12-month forecast →

Home Value$256,340

+3.4%

Rent$1,387/mo

AFFORDABILITY

Enter your income for Swansea.

Income (annual)

Down Payment

$51,268 on $256,340

Stretch — 30.8% of income

Above 28% but manageable with cuts.

PITI$1,923

P/I30.8%

Afford$233K

Gap-$23K

P&I $1,296Tax $476Ins $150

Renting $536/mo cheaper ($1,387 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 Swansea 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 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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SWANSEA, IL