In Harrisburg, a typical home is worth $84,100 and typical rent is $760 a month. Compared with all of Saline County, typical household income is 18% lower, the typical home value is 11% lower, and the share of households that own their home is 11 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $86,578 to $96,127.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Harrisburg is in Saline 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 Saline County. See the county
What this place has that others do not, from public data, most unusual first.
1
Harrisburg has the 6th lowest typical household income of the 337 cities in Illinois with more than 5,000 people ($43,415).
2
Harrisburg has the 12th lowest typical home value of the 336 cities in Illinois with more than 5,000 people ($84,100).
3
According to Zillow, in the 12 months to September 2026 the typical home value in Harrisburg barely changed; in Illinois, it rose 5.3%.
4
Harrisburg has the 17th lowest typical rent of the 331 cities in Illinois with more than 5,000 people ($760).
5
62% of households in Harrisburg own their home, against 73% in Saline County.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Harrisburg
What homes there are in Harrisburg, 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
Harrisburg
Saline County
Illinois
United States
Kind of home: Harrisburg and its comparisons
Measure
Harrisburg
Saline County
Illinois
United States
Detached house
63%
74%
58%
61%
Attached house
Unreliable estimate
Unreliable estimate
6%
6%
Building of 2 to 4
8%
5%
12%
8%
Apartments (5 or more)
17%
9%
22%
19%
Mobile home
11%
12%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Harrisburg, but it weighs less than in Saline County: 63% against 74%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Harrisburg
Saline County
Illinois
United States
Year built: Harrisburg and its comparisons
Measure
Harrisburg
Saline County
Illinois
United States
Before 1960
42%
38%
38%
26%
1960–1979
28%
28%
26%
24%
1980–1999
15%
19%
20%
25%
2000–2009
8%
7%
11%
14%
2010 or later
7%
8%
6%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K64%
$100K–$200K25%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Harrisburg and its comparisons
Measure
Harrisburg
Under $100K
64%
$100K–$200K
25%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50025%
$500–$99954%
HUD fair market rent, 2 bedrooms: $930
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Harrisburg and its comparisons
Measure
Harrisburg
Under $500
25%
$500–$999
54%
$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 estimate
About 72% of rented homes in Harrisburg cost less than HUD's 2-bedroom fair market rent for Saline County ($930).
With a mortgage
$1,008 a month
Saline County: $1,165 a month
Without a mortgage
$460 a month
Saline County: $490 a month
Owners with a mortgage
47%
Saline County: 40%
In Harrisburg, 47% of owners have a mortgage, and their typical cost is $1,008 a month, against $1,165 in Saline County. Without one it drops to $460.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Harrisburg+21%
Saline County+28%
Illinois+35%
United States+53%
Typical rent
Harrisburg+33%
Saline County+17%
Illinois+26%
United States+33%
Typical household income
Harrisburg+23%
Saline County+21%
Illinois+27%
United States+29%
Change since 2015–2019: Harrisburg and its comparisons
Measure
Harrisburg
Saline County
Illinois
United States
Typical home value
+21%
+28%
+35%
+53%
Typical rent
+33%
+17%
+26%
+33%
Typical household income
+23%
+21%
+27%
+29%
The typical home value in Harrisburg rose 21% since 2015–2019, less than in Saline County (28%).
The typical rent in Harrisburg rose 33% over the same time; in Saline County, it rose 17%.
While home values in Harrisburg changed +21% and rent +33%, the typical household income rose 23%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Harrisburg and its comparisons
Measure
Harrisburg
Saline 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
2.31
2.26
2.46
2.53
Drive alone
87%
85%
66%
69%
Carpool
Unreliable estimate
8%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
6%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
3%
3%
Work from home
Unreliable estimate
4%
16%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
By size, households in Harrisburg look like those in Saline County: 2.31 people on average.
To get to work, 87% of workers in Harrisburg drive alone; in Saline County, 85%.
Do the math
What would you pay each month for a home in Harrisburg?
A typical home is within reach of the typical income
We start with a typical home in Harrisburg, worth $84,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 21% of the typical household income in Harrisburg, which is $43,415 a year.
The calculator's FHA and conventional loan limits are those of all of Saline 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 Harrisburg. 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 $2,944 (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
$751
at 7.18% · 30 years
Loan amount
$82,576
Total interest
$118,808
Paid off in
November 2056
Includes $1,420 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,013 a month
Your payment · 21%
Tight
$1,013 to $1,302 a month
Hard
more than $1,302 a month
Compared with the typical household income in Harrisburg ($43,415 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$559
Property tax
$119
Home insurance
$35
FHA mortgage insurance (MIP)
$37
You need at least $2,944 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 $751; principal and interest $559.
The city and its county
Harrisburg and Saline County
Harrisburg is in Saline 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).
Harrisburg
Map of Saline County, Illinois, with Harrisburg marked. Around it, the neighboring counties.
Harrisburg
Saline County
Harrisburg's own numbers
Typical home value
$84,100
Typical monthly rent
$760
Typical yearly household income
$43,415
Households that own their home
62%
Effective property tax rate
1.7%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Saline County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$930
Price change over 5 years (FHFA)
+30%
Homes in a high flood-risk zone
5.3%
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 Saline County.
A typical home in Harrisburg is worth $84,100: 11% below the county and 68% below Illinois. With the typical household income in Harrisburg ($43,415 a year), a typical home costs 1.9 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.
Harrisburg1.9 years
Saline1.8 years
Illinois3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Saline County
According to FHFA’s house price index, home prices in Saline County rose 33% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Saline County.
Yearly change in FHFA’s price index in Saline County, 2016 to 2025
2016: +1.4% +1.4% 2016
2017: −6.5% −6.5% 2017
2018: +1.8% +1.8% 2018
2019: +1.1% +1.1% 2019
2020: +4.6% +4.6% 2020
2021: +1.9% +1.9% 2021
2022: +12.5% +12.5% 2022
2023: +9.4% +9.4% 2023
2024: +5.0% +5.0% 2024
2025: −1.0% −1.0% 2025
Change in FHFA’s price index in Saline County, Illinois and the United States
Period
County
Illinois
U.S.
Last year (2025)
−1.0%
+5.7%
+2.9%
5 years (2020–2025)
+30%
+47%
+47%
10 years (2015–2025)
+33%
+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
Harrisburg next to Saline 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
Harrisburg$84,100
Saline$94,300
Illinois$263,300
United States$332,700
Typical monthly rent
Harrisburg$760
Saline$726
Illinois$1,274
United States$1,413
Typical yearly household income
Harrisburg$43,415
Saline$53,117
Illinois$83,390
United States$80,734
See the full table
Harrisburg next to Saline County and Illinois
Measure
Harrisburg
Saline County
Illinois
U.S.
Typical home value
$84,100 ▼11% below the county
$94,300
$263,300
$332,700
Typical monthly rent
$760 ▲5% above the county
$726
$1,274
$1,413
Typical yearly household income
$43,415 ▼18% below the county
$53,117
$83,390
$80,734
Households that own their home
62% ▼11 points below the county
73%
67%
65%
Typical yearly property tax
$1,429 ▼11% below the county
$1,597
$5,298
$3,119
Effective property tax rate
1.7% ▲0.01 points above the county
1.69%
2.01%
0.94%
Renters with high rent for their income
57% ▲6 points above the county
50%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Saline 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 Harrisburg
For a typical $84,100 home in Harrisburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Harrisburg's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$751a month
Least cash to close
Down payment
$2,944
Cash to close
$5,467
Rate
7.18%
Mortgage insurance
FHA MIP · $37
Conventional, 5% down$735a month
Down payment
$4,205
Cash to close
$6,728
Rate
7.18%
Mortgage insurance
PMI · $40
Conventional, 20% down, no PMI$610a month
Down payment
$16,820
Cash to close
$19,343
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$688a month
Down payment
$12,615
Cash to close
$15,138
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Harrisburg
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$751
$2,944
$82,577
7.18%
FHA MIP · $37
$5,467
580
Conventional, 5% down
$735
$4,205
$79,895
7.18%
PMI · $40
$6,728
620*
Conventional, 20% down, no PMI
$610
$16,820
$67,280
7.18%
None
$19,343
620*
ITIN, 15% down (example)
$688
$12,615
$71,485
8.18%
None
$15,138
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 Harrisburg is $760 a month: 5% above the county. In Harrisburg, 57% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Saline County, by unit size. To pay the 2-bedroom one ($930 a month) without spending more than 30% of your income, you would need to earn $17.88 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 Saline County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$648
$12.46
$25,920
1 bedroom
$757
$14.56
$30,280
2 bedrooms
$930
$17.88
$37,200
3 bedrooms
$1,197
$23.02
$47,880
4 bedrooms
$1,308
$25.15
$52,320
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 Harrisburg
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Harrisburg is in ZIP code 62946.
For 2 bedrooms it is $980: $50 more than the fair market rent for Saline County ($930).
Fair market rent by ZIP code and size in Harrisburg, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
62946
$680
$760
$980
$1,240
$1,400
ZIP code2 bd3 bd
62946 $980$1,240
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Harrisburg 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 Harrisburg. These are the largest.
Scattered Sites2 N Skaggs St, Harrisburg 62946160 homes, 158 low-income · Run by Housing Authority - County of Saline · Average payment: $282 a month · Average wait: 3 months · Homes at several sites(618) 252-6381
Scattered Sites927 W Barnett St, Harrisburg 62946136 homes, 133 low-income · Run by Housing Authority - County of Saline · Average payment: $289 a month · Average wait: 3 months · Homes at several sites(618) 252-6381
Century Estates Apts416 Small St, Harrisburg 6294660 low-income homes · 2 bd: 48 · 3 bd: 12 · In service since 2001 · For people with disabilities, families
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 Saline 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 Harrisburg or Saline County. The ones below are statewide in Illinois: they work in Harrisburg 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 Harrisburg or Saline 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 Harrisburg and all of Saline 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 Harrisburg?
The typical home value in Harrisburg is $84,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Saline County it is $94,300.
How much does it cost to rent in Harrisburg?
Typical rent in Harrisburg is $760 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Saline County is $930.
What is the FHA loan limit in Harrisburg?
Harrisburg uses the FHA limit for all of Saline 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 Harrisburg?
The typical homeowner in Harrisburg pays $1,429 a year, according to the U.S. Census Bureau. That is 1.7% of the home’s value; in Saline County, the rate is 1.69%.
Where can I find free help to buy or rent in Harrisburg?
We found no HUD-approved counseling agencies with an office in Saline County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
