Median home value in zip code 61856 (Monticello, IL) is $266,195, up 8.4% year over year. Part of the Champaign-Urbana, IL metropolitan area.

Home Value$266,195

YoY Change

+8.4%

Prices rising — worse for buyers.

Affordability

Enter your income for 61856 (Monticello).

Income (annual)

Down Payment

$53,239 on $266,195

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

Stretch31.9% of income

Above 28% but manageable with cuts.

PITI$1,991

P/I31.9%

Afford$234K

Gap-$32K

P&I $1,346Tax $495Ins $150

6.50% 30yr, 20% down, county tax + IL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

61856 is part of the Champaign-Urbana, IL metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Champaign-Urbana, IL analysis

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