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City · 5,480 residents · Macoupin County, Illinois

Carlinville , Illinois

In Carlinville, a typical home is worth $105,700 and typical rent is $824 a month. Compared with all of Macoupin County, the typical home value is 24% lower, typical household income is 18% lower, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $105,700

    24% below the county

    60% below Illinois

    • Carlinville
    • Macoupin
    • Illinois

  • Typical rent

    $824a month

    3% above the county

    35% below Illinois

    • Carlinville
    • Macoupin
    • Illinois

  • Typical household income

    $57,708a year

    18% below the county

    31% below Illinois

    • Carlinville
    • Macoupin
    • Illinois

  • Households that own their home

    64%

    15 points below the county

    3 points below Illinois

    • Carlinville
    • Macoupin
    • Illinois

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

Market now, with Zillow data

Zillow data
Typical home value
$151,711
6.6% more than 12 months ago

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

Carlinville is in Macoupin 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 Macoupin County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Carlinville apart

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

  1. 64% of households in Carlinville own their home, against 78% in Macoupin County.

  2. The typical home in Carlinville is worth $105,700, 24% less than in Macoupin County as a whole ($138,200).

  3. Nearby, in Litchfield, the typical rent is $675: 18% less than in Carlinville ($824).

  4. The typical household income in Carlinville is $57,708, 18% less than in Macoupin County as a whole ($70,805).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Carlinville

What homes there are in Carlinville, 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

The detached house is still the most common home in Carlinville, but it weighs less than in Macoupin County: 76% against 82%.

Year built

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
Monthly rent with utilities

With a mortgage

$1,213 a month

Macoupin County: $1,250 a month

Without a mortgage

$493 a month

Macoupin County: $566 a month

Owners with a mortgage

49%

Macoupin County: 50%

The typical cost for an owner with a mortgage in Carlinville is $1,213 a month, near the figure in Macoupin County ($1,250).

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

From 2015–2019 to 2020–2024, the typical home value in Carlinville did not change clearly: the difference is within the Census margin of error.

Since 2015–2019, the typical rent in Carlinville did not change clearly, according to the Census.

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

MeasureCarlinvilleMacoupin CountyIllinoisUnited States
Rental vacancy Unreliable estimate10.0%5.0%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.0%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.5%3.4%
People per household 2.452.472.462.53
Drive alone 83%82%66%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimateUnreliable estimate6%3%
Walk or bike Unreliable estimate3%3%3%
Work from home Unreliable estimate9%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Macoupin County, a household in Carlinville has 2.45 people on average.

The car rules in Carlinville: 83% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Carlinville?

A typical home is within reach of the typical income

We start with a typical home in Carlinville, worth $105,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 20% of the typical household income in Carlinville, which is $57,708 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Carlinville. 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 $3,700 (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

$965

at 7.18% · 30 years

Loan amount
$103,785
Total interest
$149,322
Paid off in
November 2056

Includes $1,785 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,347 a month

    Your payment · 20%

  • Tight

    $1,347 to $1,731 a month

  • Hard

    more than $1,731 a month

Compared with the typical household income in Carlinville ($57,708 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$965
Principal & interest$703
Property tax$171
Home insurance$44
FHA mortgage insurance (MIP)$47

You need at least $3,700 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

Carlinville and Macoupin County

Carlinville is in Macoupin 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).

Carlinville's own numbers

Typical home value
$105,700
Typical monthly rent
$824
Typical yearly household income
$57,708
Households that own their home
64%
Effective property tax rate
1.94%

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

Numbers for all of Macoupin County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$978
Price change over 5 years (FHFA)
+39%

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 Macoupin County.

Everything about Macoupin County

Buying

Buying a home in Carlinville

A typical home in Carlinville is worth $105,700: 24% below the county and 60% below Illinois. With the typical household income in Carlinville ($57,708 a year), a typical home costs 1.8 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.

  • Carlinville 1.8 years
  • Macoupin 2.0 years
  • Illinois 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Macoupin County

According to FHFA’s house price index, home prices in Macoupin County rose 52% in the 10 years through 2025.

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

Period County Illinois U.S.
Last year (2025) +5.2% +5.7% +2.9%
5 years (2020–2025) +39% +47% +47%
10 years (2015–2025) +52% +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

Carlinville next to Macoupin 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
  • Carlinville $105,700
  • Macoupin $138,200
  • Illinois $263,300
  • United States $332,700
Typical monthly rent
  • Carlinville $824
  • Macoupin $801
  • Illinois $1,274
  • United States $1,413
Typical yearly household income
  • Carlinville $57,708
  • Macoupin $70,805
  • Illinois $83,390
  • United States $80,734
See the full table
Carlinville next to Macoupin County and Illinois
Measure Carlinville Macoupin County Illinois U.S.
Typical home value $105,700 $138,200 $263,300 $332,700
Typical monthly rent $824 $801 $1,274 $1,413
Typical yearly household income $57,708 $70,805 $83,390 $80,734
Households that own their home 64% 78% 67% 65%
Typical yearly property tax $2,047 $2,073 $5,298 $3,119
Effective property tax rate 1.94% 1.5% 2.01% 0.94%
Renters with high rent for their income 46% 38% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Macoupin 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 Carlinville

For a typical $105,700 home in Carlinville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Carlinville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $965a month

    Least cash to close
    Down payment
    $3,700
    Cash to close
    $6,871
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $47

  • Conventional, 5% down $945a month

    Down payment
    $5,285
    Cash to close
    $8,456
    Rate
    7.18%
    Mortgage insurance
    PMI · $50

  • Conventional, 20% down, no PMI $788a month

    Down payment
    $21,140
    Cash to close
    $24,311
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $885a month

    Down payment
    $15,855
    Cash to close
    $19,026
    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 Carlinville and for Macoupin County.

Property tax

Effective rate in Carlinville

1.94%of the home’s value each year

$2,047 a year for the typical owner in Carlinville.

  • Carlinville 1.94%
  • Macoupin 1.5%
  • Illinois 2.01%

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

Exemptions and deadlines in Illinois

Flood risk in Macoupin County

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

FEMA’s maps count no homes in the high-risk zone in Macoupin 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 Carlinville

Typical rent in Carlinville is $824 a month: 3% above the county. In Carlinville, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Macoupin County, by unit size. To pay the 2-bedroom one ($978 a month) without spending more than 30% of your income, you would need to earn $18.81 an hour working full time.

HUD fair market rent for all of Macoupin 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 $743 $14.29 $29,720
1 bedroom $748 $14.38 $29,920
2 bedrooms $978 $18.81 $39,120
3 bedrooms $1,191 $22.90 $47,640
4 bedrooms $1,492 $28.69 $59,680

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 Carlinville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Carlinville is in ZIP code 62626.

For 2 bedrooms it is $930: $48 less than the fair market rent for Macoupin County ($978).

  • 62626 $930$1,130

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Carlinville 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 Carlinville

HUD lists 2 buildings with rents for lower incomes in Carlinville. These are the largest.

  • Carlinville Senior Housing 800 Randall Rd, Carlinville 62626 50 homes, 30 low-income · 1 bd: 30 · In service since 1998 · For older adults
  • Carlinville Heights Apts 310 Spruce St, Carlinville 62626 20 low-income homes · 1 bd: 5 · 2 bd: 15 · In service since 1993

See all 8 buildings in Macoupin County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Carlinville

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 Macoupin County; none says it serves in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Carlinville

No down payment, repair or rent-help program on our list is for Carlinville or Macoupin County. The ones below are statewide in Illinois: they work in Carlinville 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 Carlinville

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

  • Macoupin County Housing Authority

    760 Anderson Street, Carlinville · 1 miles away

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

  • Madison County Urban League

    408 E Broadway Street, Alton · 31 miles away

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

  • C.e.f.s. - Christian County Outreach Office

    220 W. Franklin, Taylorville · 36 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    217-824-4712-22

Every agency in Macoupin County All counseling agencies in Illinois

Help in Spanish near Carlinville

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 Carlinville

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

All housing agencies in Illinois Source: HUD

Cities

Nearby cities

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

Everything about Macoupin County Housing in Illinois

Neighboring counties

If Macoupin 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 Carlinville.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Carlinville

Short answers with the numbers for Carlinville and all of Macoupin 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 Carlinville?

The typical home value in Carlinville is $105,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Macoupin County it is $138,200.

How much does it cost to rent in Carlinville?

Typical rent in Carlinville is $824 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Macoupin County is $978.

What is the FHA loan limit in Carlinville?

Carlinville uses the FHA limit for all of Macoupin 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 Carlinville?

The typical homeowner in Carlinville pays $2,047 a year, according to the U.S. Census Bureau. That is 1.94% of the home’s value; in Macoupin County, the rate is 1.5%.

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

There is 1 HUD-approved counseling agency with an office in Macoupin 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).