In Chillicothe, a typical home is worth $132,900 and typical rent is $899 a month. Compared with all of Peoria County, the typical home value is 16% lower, typical rent is 9% lower, and the share of households that own their home is 17 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $136,472 to $191,729.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Chillicothe is in Peoria 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 Peoria County. See the county
What this place has that others do not, from public data, most unusual first.
1
84% of households in Chillicothe own their home, against 67% in Peoria County.
2
Nearby, in Eureka, the typical rent is $692: 23% less than in Chillicothe ($899).
3
The typical home in Chillicothe is worth $132,900,16% less than in Peoria County as a whole ($158,500).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Chillicothe
What homes there are in Chillicothe, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Chillicothe
Peoria County
Illinois
United States
Kind of home: Chillicothe and its comparisons
Measure
Chillicothe
Peoria County
Illinois
United States
Detached house
81%
72%
58%
61%
Attached house
Unreliable estimate
4%
6%
6%
Building of 2 to 4
Unreliable estimate
5%
12%
8%
Apartments (5 or more)
Unreliable estimate
18%
22%
19%
Mobile home
Unreliable estimate
1%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Chillicothe: 81% of homes, more than in Peoria County (72%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Chillicothe
Peoria County
Illinois
United States
Year built: Chillicothe and its comparisons
Measure
Chillicothe
Peoria County
Illinois
United States
Before 1960
43%
42%
38%
26%
1960–1979
31%
29%
26%
24%
1980–1999
16%
14%
20%
25%
2000–2009
Unreliable estimate
11%
11%
14%
2010 or later
Unreliable estimate
5%
6%
11%
By age, homes in Chillicothe look like those in Peoria County: the typical year built is 1964.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K25%
$100K–$200K57%
$200K–$300K17%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Chillicothe and its comparisons
Measure
Chillicothe
Under $100K
25%
$100K–$200K
57%
$200K–$300K
17%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99963%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Chillicothe and its comparisons
Measure
Chillicothe
Under $500
Unreliable estimate
$500–$999
63%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,277 a month
Peoria County: $1,496 a month
Without a mortgage
$561 a month
Peoria County: $641 a month
Owners with a mortgage
55%
Peoria County: 56%
The typical cost for an owner with a mortgage in Chillicothe is $1,277 a month, less than in Peoria County ($1,496); without one, $561.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
ChillicotheNo clear change
Peoria County+22%
Illinois+35%
United States+53%
Typical rent
ChillicotheNo clear change
Peoria County+24%
Illinois+26%
United States+33%
Typical household income
Chillicothe+36%
Peoria County+17%
Illinois+27%
United States+29%
Change since 2015–2019: Chillicothe and its comparisons
Measure
Chillicothe
Peoria County
Illinois
United States
Typical home value
No clear change
+22%
+35%
+53%
Typical rent
No clear change
+24%
+26%
+33%
Typical household income
+36%
+17%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Chillicothe did not change clearly: the difference is within the Census margin of error.
The typical rent in Chillicothe stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Chillicothe and its comparisons
Measure
Chillicothe
Peoria County
Illinois
United States
Rental vacancy
Unreliable estimate
6.8%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
1.4%
1.0%
0.9%
More than one person per room
Unreliable estimate
1.8%
2.5%
3.4%
People per household
2.00
2.24
2.46
2.53
Drive alone
84%
76%
66%
69%
Carpool
Unreliable estimate
9%
8%
9%
Public transit
Unreliable estimate
1%
6%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
Unreliable estimate
11%
16%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.00 on average, against 2.24 in Peoria County.
To get to work, 84% of workers in Chillicothe drive alone; in Peoria County, 76%.
Do the math
What would you pay each month for a home in Chillicothe?
A typical home is within reach of the typical income
We start with a typical home in Chillicothe, worth $132,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 22% of the typical household income in Chillicothe, which is $66,132 a year.
The calculator's FHA and conventional loan limits are those of all of Peoria County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Chillicothe. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $4,652 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,234
at 7.18% · 30 years
Loan amount
$130,492
Total interest
$187,748
Paid off in
November 2056
Includes $2,244 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,543 a month
Your payment · 22%
Tight
$1,543 to $1,984 a month
Hard
more than $1,984 a month
Compared with the typical household income in Chillicothe ($66,132 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$884
Property tax
$236
Home insurance
$55
FHA mortgage insurance (MIP)
$59
You need at least $4,652 for the down payment, plus closing costs.
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.
Total monthly payment $1,234; principal and interest $884.
The city and its county
Chillicothe and Peoria County
Chillicothe is in Peoria 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).
Chillicothe
Map of Peoria County, Illinois, with Chillicothe marked. Around it, the neighboring counties.
Chillicothe
Peoria County
Other cities with a page
Chillicothe's own numbers
Typical home value
$132,900
Typical monthly rent
$899
Typical yearly household income
$66,132
Households that own their home
84%
Effective property tax rate
2.13%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Peoria County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,212
Price change over 5 years (FHFA)
+45%
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 Peoria County.
A typical home in Chillicothe is worth $132,900: 16% below the county and 50% below Illinois. With the typical household income in Chillicothe ($66,132 a year), a typical home costs 2.0 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.
Chillicothe2.0 years
Peoria2.4 years
Illinois3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Peoria County
According to FHFA’s house price index, home prices in Peoria County rose 45% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Peoria County.
Yearly change in FHFA’s price index in Peoria County, 2016 to 2025
2016: +0.7% +0.7% 2016
2017: −2.9% −2.9% 2017
2018: −1.3% −1.3% 2018
2019: +1.4% +1.4% 2019
2020: +2.0% +2.0% 2020
2021: +6.3% +6.3% 2021
2022: +10.8% +10.8% 2022
2023: +8.6% +8.6% 2023
2024: +6.5% +6.5% 2024
2025: +6.4% +6.4% 2025
Change in FHFA’s price index in Peoria County, Illinois and the United States
Period
County
Illinois
U.S.
Last year (2025)
+6.4%
+5.7%
+2.9%
5 years (2020–2025)
+45%
+47%
+47%
10 years (2015–2025)
+45%
+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
Chillicothe next to Peoria 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
Chillicothe$132,900
Peoria$158,500
Illinois$263,300
United States$332,700
Typical monthly rent
Chillicothe$899
Peoria$993
Illinois$1,274
United States$1,413
Typical yearly household income
Chillicothe$66,132
Peoria$65,108
Illinois$83,390
United States$80,734
See the full table
Chillicothe next to Peoria County and Illinois
Measure
Chillicothe
Peoria County
Illinois
U.S.
Typical home value
$132,900 ▼16% below the county
$158,500
$263,300
$332,700
Typical monthly rent
$899 ▼9% below the county
$993
$1,274
$1,413
Typical yearly household income
$66,132
$65,108
$83,390
$80,734
Households that own their home
84% ▲17 points above the county
67%
67%
65%
Typical yearly property tax
$2,837 ▼20% below the county
$3,552
$5,298
$3,119
Effective property tax rate
2.13% ▼0.11 points below the county
2.24%
2.01%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Peoria 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 Chillicothe
For a typical $132,900 home in Chillicothe, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Chillicothe's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,234a month
Least cash to close
Down payment
$4,652
Cash to close
$8,639
Rate
7.18%
Mortgage insurance
FHA MIP · $59
Conventional, 5% down$1,210a month
Down payment
$6,645
Cash to close
$10,632
Rate
7.18%
Mortgage insurance
PMI · $63
Conventional, 20% down, no PMI$1,012a month
Down payment
$26,580
Cash to close
$30,567
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,134a month
Down payment
$19,935
Cash to close
$23,922
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Chillicothe
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,234
$4,652
$130,493
7.18%
FHA MIP · $59
$8,639
580
Conventional, 5% down
$1,210
$6,645
$126,255
7.18%
PMI · $63
$10,632
620*
Conventional, 20% down, no PMI
$1,012
$26,580
$106,320
7.18%
None
$30,567
620*
ITIN, 15% down (example)
$1,134
$19,935
$112,965
8.18%
None
$23,922
Set by the lender
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.
Typical rent in Chillicothe is $899 a month: 9% below the county.
HUD publishes a fair market rent for all of Peoria County, by unit size. To pay the 2-bedroom one ($1,212 a month) without spending more than 30% of your income, you would need to earn $23.31 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Peoria County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$915
$17.60
$36,600
1 bedroom
$961
$18.48
$38,440
2 bedrooms
$1,212
$23.31
$48,480
3 bedrooms
$1,557
$29.94
$62,280
4 bedrooms
$1,710
$32.88
$68,400
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 Chillicothe
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Chillicothe is in ZIP code 61523.
For 2 bedrooms it is $1,210: $2 less than the fair market rent for Peoria County ($1,212).
Fair market rent by ZIP code and size in Chillicothe, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
61523
$910
$960
$1,210
$1,550
$1,710
ZIP code2 bd3 bd
61523 $1,210$1,550
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Chillicothe 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 are 2 HUD-approved agencies with an office in Peoria County; 2 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Chillicothe or Peoria County. The ones below are statewide in Illinois: they work in Chillicothe the same as in the rest of the state.
IHDA second loan with no payments until you sell or refinance, for the down payment in Illinois.Offered by Illinois Housing Development Authority (IHDA).
No legal help resource on our list is for Chillicothe or Peoria County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Chillicothe and all of Peoria 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 Chillicothe?
The typical home value in Chillicothe is $132,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Peoria County it is $158,500.
How much does it cost to rent in Chillicothe?
Typical rent in Chillicothe is $899 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Peoria County is $1,212.
What is the FHA loan limit in Chillicothe?
Chillicothe uses the FHA limit for all of Peoria 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 Chillicothe?
The typical homeowner in Chillicothe pays $2,837 a year, according to the U.S. Census Bureau. That is 2.13% of the home’s value; in Peoria County, the rate is 2.24%.
Where can I find free help to buy or rent in Chillicothe?
There are 2 HUD-approved counseling agencies with an office in Peoria County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
