In Clinton, a typical home is worth $102,800 and typical rent is $934 a month. Compared with all of De Witt County, the typical home value is 21% lower, typical household income is 13% lower, and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $110,078 to $156,909.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Clinton is in De Witt 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 De Witt County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Mount Zion, the typical rent is $744: 20% less than in Clinton ($934).
2
According to Zillow, in the 12 months to September 2026 the typical home value in Clinton rose 8.8%; in Illinois, it rose 5.3%.
3
The typical home in Clinton is worth $102,800,21% less than in De Witt County as a whole ($130,300).
4
67% of households in Clinton own their home, against 79% in De Witt County.
5
Clinton has the 23rd smallest share of rent-burdened renters of the 291 cities in Illinois with more than 5,000 people (35%).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Clinton
What homes there are in Clinton, 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
Clinton
De Witt County
Illinois
United States
Kind of home: Clinton and its comparisons
Measure
Clinton
De Witt County
Illinois
United States
Detached house
83%
87%
58%
61%
Attached house
Unreliable estimate
1%
6%
6%
Building of 2 to 4
6%
3%
12%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
22%
19%
Mobile home
Unreliable estimate
5%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Clinton (83%), but less so than in De Witt County (87%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Clinton
De Witt County
Illinois
United States
Year built: Clinton and its comparisons
Measure
Clinton
De Witt County
Illinois
United States
Before 1960
61%
52%
38%
26%
1960–1979
27%
24%
26%
24%
1980–1999
7%
13%
20%
25%
2000–2009
Unreliable estimate
8%
11%
14%
2010 or later
Unreliable estimate
3%
6%
11%
In Clinton, half of the homes were built before 1954; in De Witt County, before 1958.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K47%
$100K–$200K43%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Clinton and its comparisons
Measure
Clinton
Under $100K
47%
$100K–$200K
43%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99957%
$1,000–$1,49921%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Clinton and its comparisons
Measure
Clinton
Under $500
Unreliable estimate
$500–$999
57%
$1,000–$1,499
21%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$990 a month
De Witt County: $1,260 a month
Without a mortgage
$430 a month
De Witt County: $524 a month
Owners with a mortgage
59%
De Witt County: 55%
The typical cost for an owner with a mortgage in Clinton is $990 a month, less than in De Witt County ($1,260); without one, $430.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Clinton+25%
De Witt County+31%
Illinois+35%
United States+53%
Typical rent
Clinton+66%
De Witt County+44%
Illinois+26%
United States+33%
Typical household income
Clinton+33%
De Witt County+29%
Illinois+27%
United States+29%
Change since 2015–2019: Clinton and its comparisons
Measure
Clinton
De Witt County
Illinois
United States
Typical home value
+25%
+31%
+35%
+53%
Typical rent
+66%
+44%
+26%
+33%
Typical household income
+33%
+29%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Clinton rose 25%; in De Witt County, it rose 31%.
Rents in Clinton rose faster than in De Witt County: 66% since 2015–2019, against 44%.
The typical household income in Clinton rose 33% over that time; home values changed +25% and rent +66%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Clinton and its comparisons
Measure
Clinton
De Witt County
Illinois
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.0%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
2.5%
3.4%
People per household
2.16
2.30
2.46
2.53
Drive alone
80%
81%
66%
69%
Carpool
8%
6%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
6%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
3%
3%
Work from home
9%
11%
16%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Clinton has 2.16 people, fewer than in De Witt County (2.30).
To get to work, 80% of workers in Clinton drive alone; in De Witt County, 81%.
Do the math
What would you pay each month for a home in Clinton?
A typical home is within reach of the typical income
We start with a typical home in Clinton, worth $102,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 18% of the typical household income in Clinton, which is $62,323 a year.
The calculator's FHA and conventional loan limits are those of all of De Witt 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 Clinton. 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 $3,598 (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
$922
at 7.18% · 30 years
Loan amount
$100,938
Total interest
$145,226
Paid off in
November 2056
Includes $1,736 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,454 a month
Your payment · 18%
Tight
$1,454 to $1,870 a month
Hard
more than $1,870 a month
Compared with the typical household income in Clinton ($62,323 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$684
Property tax
$150
Home insurance
$43
FHA mortgage insurance (MIP)
$45
You need at least $3,598 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 $922; principal and interest $684.
The city and its county
Clinton and De Witt County
Clinton is in De Witt 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).
Clinton
Map of De Witt County, Illinois, with Clinton marked. Around it, the neighboring counties.
Clinton
De Witt County
Other cities with a page
Clinton's own numbers
Typical home value
$102,800
Typical monthly rent
$934
Typical yearly household income
$62,323
Households that own their home
67%
Effective property tax rate
1.75%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of De Witt County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,059
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
1.9%
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 De Witt County.
A typical home in Clinton is worth $102,800: 21% below the county and 61% below Illinois. With the typical household income in Clinton ($62,323 a year), a typical home costs 1.6 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.
Clinton1.6 years
De Witt1.8 years
Illinois3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in De Witt County
According to FHFA’s house price index, home prices in De Witt County rose 53% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of De Witt County.
Yearly change in FHFA’s price index in De Witt County, 2016 to 2025
2016: +2.1% +2.1% 2016
2017: +4.3% +4.3% 2017
2018: −1.3% −1.3% 2018
2019: +0.7% +0.7% 2019
2020: −0.1% −0.1% 2020
2021: +9.0% +9.0% 2021
2022: +15.1% +15.1% 2022
2023: +8.8% +8.8% 2023
2024: +5.2% +5.2% 2024
2025: +0.7% +0.7% 2025
Change in FHFA’s price index in De Witt County, Illinois and the United States
Period
County
Illinois
U.S.
Last year (2025)
+0.7%
+5.7%
+2.9%
5 years (2020–2025)
+45%
+47%
+47%
10 years (2015–2025)
+53%
+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
Clinton next to De Witt 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
Clinton$102,800
De Witt$130,300
Illinois$263,300
United States$332,700
Typical monthly rent
Clinton$934
De Witt$903
Illinois$1,274
United States$1,413
Typical yearly household income
Clinton$62,323
De Witt$71,678
Illinois$83,390
United States$80,734
See the full table
Clinton next to De Witt County and Illinois
Measure
Clinton
De Witt County
Illinois
U.S.
Typical home value
$102,800 ▼21% below the county
$130,300
$263,300
$332,700
Typical monthly rent
$934 ▲3% above the county
$903
$1,274
$1,413
Typical yearly household income
$62,323 ▼13% below the county
$71,678
$83,390
$80,734
Households that own their home
67% ▼12 points below the county
79%
67%
65%
Typical yearly property tax
$1,797 ▼23% below the county
$2,322
$5,298
$3,119
Effective property tax rate
1.75% ▼0.03 points below the county
1.78%
2.01%
0.94%
Renters with high rent for their income
35% ▲1 points above the county
34%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below De Witt 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 Clinton
For a typical $102,800 home in Clinton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Clinton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$922a month
Least cash to close
Down payment
$3,598
Cash to close
$6,682
Rate
7.18%
Mortgage insurance
FHA MIP · $45
Conventional, 5% down$903a month
Down payment
$5,140
Cash to close
$8,224
Rate
7.18%
Mortgage insurance
PMI · $49
Conventional, 20% down, no PMI$750a month
Down payment
$20,560
Cash to close
$23,644
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$845a month
Down payment
$15,420
Cash to close
$18,504
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Clinton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$922
$3,598
$100,938
7.18%
FHA MIP · $45
$6,682
580
Conventional, 5% down
$903
$5,140
$97,660
7.18%
PMI · $49
$8,224
620*
Conventional, 20% down, no PMI
$750
$20,560
$82,240
7.18%
None
$23,644
620*
ITIN, 15% down (example)
$845
$15,420
$87,380
8.18%
None
$18,504
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 Clinton is $934 a month: 3% above the county. In Clinton, 35% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of De Witt County, by unit size. To pay the 2-bedroom one ($1,059 a month) without spending more than 30% of your income, you would need to earn $20.37 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 De Witt County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$737
$14.17
$29,480
1 bedroom
$810
$15.58
$32,400
2 bedrooms
$1,059
$20.37
$42,360
3 bedrooms
$1,262
$24.27
$50,480
4 bedrooms
$1,770
$34.04
$70,800
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 Clinton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Clinton is in ZIP code 61727.
For 2 bedrooms it is $1,080: $21 more than the fair market rent for De Witt County ($1,059).
Fair market rent by ZIP code and size in Clinton, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
61727
$750
$830
$1,080
$1,290
$1,810
ZIP code2 bd3 bd
61727 $1,080$1,290
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Clinton 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)
HUD lists 3 buildings with rents for lower incomes in Clinton. These are the largest.
Dewitt Manor & Countryside Apts100 S Railroad St, Clinton 61727242 homes, 235 low-income · Run by DeWitt County Housing Authority · Average payment: $372 a month · Average wait: 3 months(217) 935-8804
Village Aptsof Clinton II1610 E Main St, Clinton 6172724 low-income homes · 1 bd: 16 · 2 bd: 8 · In service since 1992
Kleeman Village1101 Kleemann Dr, Clinton 6172714 low-income homes · For people with disabilities(217) 935-6655
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.
We found no HUD-approved agencies with an office in De Witt County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Clinton or De Witt County. The ones below are statewide in Illinois: they work in Clinton 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 Clinton or De Witt 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 Clinton and all of De Witt 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 Clinton?
The typical home value in Clinton is $102,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in De Witt County it is $130,300.
How much does it cost to rent in Clinton?
Typical rent in Clinton is $934 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in De Witt County is $1,059.
What is the FHA loan limit in Clinton?
Clinton uses the FHA limit for all of De Witt 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 Clinton?
The typical homeowner in Clinton pays $1,797 a year, according to the U.S. Census Bureau. That is 1.75% of the home’s value; in De Witt County, the rate is 1.78%.
Where can I find free help to buy or rent in Clinton?
We found no HUD-approved counseling agencies with an office in De Witt County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
