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City · 41,370 residents · St. Clair County, Illinois

Belleville , Illinois

In Belleville, a typical home is worth $141,300 and typical rent is $1,019 a month. Compared with all of St. Clair County, the typical home value is 22% lower, typical household income is 14% lower, and the share of households that own their home is 8 points lower.

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  • Typical home value

    $141,300

    22% below the county

    46% below Illinois

    • Belleville
    • St. Clair
    • Illinois

  • Typical rent

    $1,019a month

    7% below the county

    20% below Illinois

    • Belleville
    • St. Clair
    • Illinois

  • Typical household income

    $63,535a year

    14% below the county

    24% below Illinois

    • Belleville
    • St. Clair
    • Illinois

  • Households that own their home

    60%

    8 points below the county

    7 points below Illinois

    • Belleville
    • St. Clair
    • Illinois

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$159,308
0.9% more than 12 months ago
Typical rent
$1,120 a month
2.9% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Belleville is in St. Clair County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of St. Clair County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Belleville apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Cahokia Heights, the typical home value is $56,000: 60% less than in Belleville ($141,300).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Belleville rose 0.9%; in Illinois, it rose 5.3%.

  3. The typical home in Belleville is worth $141,300, 22% less than in St. Clair County as a whole ($180,300).

  4. 60% of households in Belleville own their home, against 68% in St. Clair County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Belleville

What homes there are in Belleville, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses are the majority in Belleville (66%), but less so than in St. Clair County (72%).

Year built

In Belleville, half of the homes were built before 1962; in St. Clair County, before 1975.

There are fewer big homes in Belleville than in St. Clair County: 52% have 3 bedrooms or more, against 62%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

At least 98% of owner-occupied homes in Belleville are worth less than $500,000, below the FHA loan limit for St. Clair County ($541,287).

Monthly rent with utilities

About 76% of rented homes in Belleville cost less than HUD's 2-bedroom fair market rent for St. Clair County ($1,349).

With a mortgage

$1,445 a month

St. Clair County: $1,645 a month

Without a mortgage

$648 a month

St. Clair County: $645 a month

Owners with a mortgage

61%

St. Clair County: 59%

The typical cost for an owner with a mortgage in Belleville is $1,445 a month, less than in St. Clair County ($1,645); without one, $648.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Belleville gained value faster than in St. Clair County: 51% against 41%.

Rents in Belleville rose faster than in St. Clair County: 31% since 2015–2019, against 27%.

The typical household income in Belleville rose 32% over that time; home values changed +51% and rent +31%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBellevilleSt. Clair CountyIllinoisUnited States
Rental vacancy 6.7%4.7%5.0%5.5%
Homeowner vacancy Unreliable estimate1.1%1.0%0.9%
More than one person per room Unreliable estimate1.8%2.5%3.4%
People per household 2.242.472.462.53
Drive alone 74%75%66%69%
Carpool 9%8%8%9%
Public transit Unreliable estimate2%6%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 12%12%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

There is more rental housing open in Belleville: 6.7% is empty and offered for rent, against 4.7% in St. Clair County.

Fewer people live in each home here: 2.24 on average, against 2.47 in St. Clair County.

In Belleville, 74% of workers drive alone to work; in St. Clair County, 75%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Belleville?

A typical home is within reach of the typical income

We start with a typical home in Belleville, worth $141,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Belleville, which is $63,535 a year.

The calculator's FHA and conventional loan limits are those of all of St. Clair County.

Your numbers

Local data
$

Starts at the typical home value in Belleville. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $4,946 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,320

at 7.18% · 30 years

Loan amount
$138,740
Total interest
$199,615
Paid off in
November 2056

Includes $2,386 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,482 a month

    Your payment · 25%

  • Tight

    $1,482 to $1,906 a month

  • Hard

    more than $1,906 a month

Compared with the typical household income in Belleville ($63,535 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,320
Principal & interest$940
Property tax$259
Home insurance$59
FHA mortgage insurance (MIP)$62

You need at least $4,946 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Belleville and St. Clair County

Belleville is in St. Clair County, Illinois. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Belleville's own numbers

Typical home value
$141,300
Typical monthly rent
$1,019
Typical yearly household income
$63,535
Households that own their home
60%
Effective property tax rate
2.2%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of St. Clair County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,349
Price change over 5 years (FHFA)
+52%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of St. Clair County.

Everything about St. Clair County

Buying

Buying a home in Belleville

A typical home in Belleville is worth $141,300: 22% below the county and 46% below Illinois. With the typical household income in Belleville ($63,535 a year), a typical home costs 2.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Belleville 2.2 years
  • St. Clair 2.4 years
  • Illinois 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in St. Clair County

According to FHFA’s house price index, home prices in St. Clair County rose 69% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of St. Clair County.

Period County Illinois U.S.
Last year (2025) +5.3% +5.7% +2.9%
5 years (2020–2025) +52% +47% +47%
10 years (2015–2025) +69% +65% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Belleville next to St. Clair County, Illinois and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Belleville $141,300
  • St. Clair $180,300
  • Illinois $263,300
  • United States $332,700
Typical monthly rent
  • Belleville $1,019
  • St. Clair $1,090
  • Illinois $1,274
  • United States $1,413
Typical yearly household income
  • Belleville $63,535
  • St. Clair $73,854
  • Illinois $83,390
  • United States $80,734
See the full table
Belleville next to St. Clair County and Illinois
Measure Belleville St. Clair County Illinois U.S.
Typical home value $141,300 $180,300 $263,300 $332,700
Typical monthly rent $1,019 $1,090 $1,274 $1,413
Typical yearly household income $63,535 $73,854 $83,390 $80,734
Households that own their home 60% 68% 67% 65%
Typical yearly property tax $3,110 $3,665 $5,298 $3,119
Effective property tax rate 2.2% 2.03% 2.01% 0.94%
Renters with high rent for their income 49% 48% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below St. Clair County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Belleville

For a typical $141,300 home in Belleville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Belleville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,320a month

    Least cash to close
    Down payment
    $4,946
    Cash to close
    $9,185
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $62

  • Conventional, 5% down $1,294a month

    Down payment
    $7,065
    Cash to close
    $11,304
    Rate
    7.18%
    Mortgage insurance
    PMI · $67

  • Conventional, 20% down, no PMI $1,084a month

    Down payment
    $28,260
    Cash to close
    $32,499
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,214a month

    Down payment
    $21,195
    Cash to close
    $25,434
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Belleville and for St. Clair County.

Property tax

Effective rate in Belleville

2.2%of the home’s value each year

$3,110 a year for the typical owner in Belleville.

  • Belleville 2.2%
  • St. Clair 2.03%
  • Illinois 2.01%

What Illinois publishes General Homestead Exemption (Illinois Department of Revenue)

Exemptions and deadlines in Illinois

Flood risk in St. Clair County

FEMA does not publish these numbers by city: they are for all of St. Clair County.

FEMA’s maps count no homes in the high-risk zone in St. Clair County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Belleville

Typical rent in Belleville is $1,019 a month: 7% below the county. In Belleville, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of St. Clair County, by unit size. To pay the 2-bedroom one ($1,349 a month) without spending more than 30% of your income, you would need to earn $25.94 an hour working full time.

HUD fair market rent for all of St. Clair County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,064 $20.46 $42,560
1 bedroom $1,104 $21.23 $44,160
2 bedrooms $1,349 $25.94 $53,960
3 bedrooms $1,731 $33.29 $69,240
4 bedrooms $1,997 $38.40 $79,880

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Belleville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Belleville has 4 ZIP codes with their own.

For 2 bedrooms it runs from $1,210 in 62226 to $1,370 in 62221.

1 of the 4 is above the fair market rent for St. Clair County ($1,349).

  • 62220 $1,220$1,570
  • 62221 $1,370$1,760
  • 62223 $1,310$1,680
  • 62226 $1,210$1,550

4 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Belleville when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Belleville

HUD lists 8 buildings with rents for lower incomes in Belleville. These are the largest.

  • AMP 4 Belleville/Swansea 114 S Church St, Belleville 62220 166 low-income homes · Run by St. Clair County Housing Authority · Average payment: $397 a month · Average wait: 22 months · Homes at several sites (618) 277-6988
  • ST. Clair Village 409 Carlyle E, Belleville 62221 240 homes, 111 low-income · For older adults (618) 234-2203
  • Williamsburg Apts 6900 W Main St, Belleville 62223 88 low-income homes · Studio: 8 · 1 bd: 20 · 2 bd: 41 · 3 bd: 19 · In service since 2011
  • Westfield Manor 7245 Westfield Plaza Dr, Belleville 62223 62 low-income homes · For older adults (618) 233-5506
  • Cottage of Cathedral Square Apts 305 S 1st St, Belleville 62220 32 low-income homes · 1 bd: 16 · 2 bd: 16

See all 54 buildings in St. Clair County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Belleville

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in St. Clair County; none says it serves in Spanish.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Belleville

No down payment, repair or rent-help program on our list is for Belleville or St. Clair County. The ones below are statewide in Illinois: they work in Belleville the same as in the rest of the state.

Which programs do I qualify for? All programs in Illinois

  • IHDAccess Home

    Statewide in Illinois

    Limited funds remain, per the source

    IHDA second loan with deferred payments for first-time buyers in Illinois. Offered by Illinois Housing Development Authority (IHDA).

    Deferred

    See the program Official page

  • IHDAccess Forgivable

    Statewide in Illinois

    Limited funds remain, per the source

    IHDA second loan forgiven little by little over ten years, for the down payment in Illinois. Offered by Illinois Housing Development Authority (IHDA).

    Forgivable

    See the program Official page

  • IHDAccess Deferred

    Statewide in Illinois

    Limited funds remain, per the source

    IHDA second loan with no payments until you sell or refinance, for the down payment in Illinois. Offered by Illinois Housing Development Authority (IHDA).

    Deferred

    See the program Official page

Housing counselors near Belleville

The HUD-approved agencies closest to the center of Belleville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Urban League of Metropolitan ST. Louis - ST. Clair County Operations

    10220 Lincoln Trail, Fairview Heights · 5 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    618-274-1150-126

  • Madison County Urban League

    408 E Broadway Street, Alton · 28 miles away

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 5 more
    618-463-1906-222

  • Macoupin County Housing Authority

    760 Anderson Street, Carlinville · 54 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    217-854-8606-202

Every agency in St. Clair County All counseling agencies in Illinois

Help in Spanish near Belleville

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Belleville

HUD’s record names them for Belleville or St. Clair County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • St. Clair County Housing Authority Public housing and Section 8 vouchers (618) 277-6988

One other authority has an office in St. Clair County: see the list Source: HUD

Cities

Other cities in St. Clair County

These cities are also in St. Clair County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about St. Clair County Housing in Illinois

Nearby cities

The cities closest to Belleville, with the typical home value.

Neighboring counties

If St. Clair County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Belleville.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Belleville

Short answers with the numbers for Belleville and all of St. Clair County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Belleville?

The typical home value in Belleville is $141,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Clair County it is $180,300.

How much does it cost to rent in Belleville?

Typical rent in Belleville is $1,019 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Clair County is $1,349.

What is the FHA loan limit in Belleville?

Belleville uses the FHA limit for all of St. Clair County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Belleville?

The typical homeowner in Belleville pays $3,110 a year, according to the U.S. Census Bureau. That is 2.2% of the home’s value; in St. Clair County, the rate is 2.03%.

Where can I find free help to buy or rent in Belleville?

There is 1 HUD-approved counseling agency with an office in St. Clair County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).