Median home value in zip code 61864 (Philo, IL) is $252,225, up 10.1% year over year. Part of the Champaign-Urbana, IL metropolitan area.

Home Value$252,225

YoY Change

+10.1%

Prices rising — worse for buyers.

Affordability

Enter your income for 61864 (Philo).

Income (annual)

Down Payment

$50,445 on $252,225

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

Stretch30.3% of income

Above 28% but manageable with cuts.

PITI$1,894

P/I30.3%

Afford$233K

Gap-$19K

P&I $1,275Tax $469Ins $150

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

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

Metro Analysis

61864 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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