The median home in Tonica, Illinois is valued at $219,165, up 15.2% year over year. Tonica is part of the Ottawa, IL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$219,165

+15.2%

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$43,833 on $219,165

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

Affordable26.6% of income

Under the 28% guideline.

PITI$1,665

P/I26.6%

Afford$230K

Room+$11K

P&I $1,108Tax $407Ins $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 Tonica 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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Tonica, IL