In Jacksonville, a typical home is worth $128,200 and typical rent is $711 a month. Compared with all of Morgan County, the share of households that own their home is 9 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $115,423 to $140,263.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Jacksonville is in Morgan 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 Morgan County. See the county
What this place has that others do not, from public data, most unusual first.
1
Jacksonville has the 7th lowest typical rent of the 331 cities in Illinois with more than 5,000 people ($711).
2
Jacksonville has the 9th smallest share of rent-burdened renters of the 291 cities in Illinois with more than 5,000 people (32%).
3
Nearby, in Beardstown, the typical home value is $82,100: 36% less than in Jacksonville ($128,200).
4
64% of households in Jacksonville own their home, against 73% in Morgan County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Jacksonville
What homes there are in Jacksonville, 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
Jacksonville
Morgan County
Illinois
United States
Kind of home: Jacksonville and its comparisons
Measure
Jacksonville
Morgan County
Illinois
United States
Detached house
69%
76%
58%
61%
Attached house
5%
3%
6%
6%
Building of 2 to 4
10%
7%
12%
8%
Apartments (5 or more)
10%
7%
22%
19%
Mobile home
6%
7%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Jacksonville (69%), but less so than in Morgan County (76%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Jacksonville
Morgan County
Illinois
United States
Year built: Jacksonville and its comparisons
Measure
Jacksonville
Morgan County
Illinois
United States
Before 1960
48%
42%
38%
26%
1960–1979
29%
30%
26%
24%
1980–1999
14%
16%
20%
25%
2000–2009
5%
7%
11%
14%
2010 or later
4%
4%
6%
11%
The typical year built in Jacksonville is 1962, about the same as in Morgan County (1965).
There are fewer big homes in Jacksonville than in Morgan County: 53% have 3 bedrooms or more, against 58%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K35%
$100K–$200K48%
$200K–$300K9%
$300K–$500K7%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Jacksonville and its comparisons
Measure
Jacksonville
Under $100K
35%
$100K–$200K
48%
$200K–$300K
9%
$300K–$500K
7%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
At least 99% of owner-occupied homes in Jacksonville are worth less than $500,000, below the FHA loan limit for Morgan County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50021%
$500–$99959%
HUD fair market rent, 2 bedrooms: $930
$1,000–$1,49917%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Jacksonville and its comparisons
Measure
Jacksonville
Under $500
21%
$500–$999
59%
$1,000–$1,499
17%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
HUD's 2-bedroom fair market rent (FMR) for Morgan County is $930; about 72% of rents in Jacksonville are below it.
With a mortgage
$1,170 a month
Morgan County: $1,195 a month
Without a mortgage
$576 a month
Morgan County: $573 a month
Owners with a mortgage
62%
Morgan County: 56%
In Jacksonville, 62% of owners have a mortgage; their typical cost is $1,170 a month, about the same as in Morgan County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Jacksonville+23%
Morgan County+19%
Illinois+35%
United States+53%
Typical rent
JacksonvilleNo clear change
Morgan CountyNo clear change
Illinois+26%
United States+33%
Typical household income
Jacksonville+49%
Morgan County+29%
Illinois+27%
United States+29%
Change since 2015–2019: Jacksonville and its comparisons
Measure
Jacksonville
Morgan County
Illinois
United States
Typical home value
+23%
+19%
+35%
+53%
Typical rent
No clear change
No clear change
+26%
+33%
Typical household income
+49%
+29%
+27%
+29%
Since 2015–2019, homes in Jacksonville gained value faster than in Morgan County: 23% against 19%.
The typical rent in Jacksonville 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: Jacksonville and its comparisons
Measure
Jacksonville
Morgan County
Illinois
United States
Rental vacancy
Unreliable estimate
7.8%
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
2.32
2.34
2.46
2.53
Drive alone
81%
81%
66%
69%
Carpool
8%
7%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
6%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
8%
9%
16%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Morgan County, a household in Jacksonville has 2.32 people on average.
To get to work, 81% of workers in Jacksonville drive alone; in Morgan County, 81%.
Do the math
What would you pay each month for a home in Jacksonville?
A typical home is within reach of the typical income
We start with a typical home in Jacksonville, worth $128,200, 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 Jacksonville, which is $65,432 a year.
The calculator's FHA and conventional loan limits are those of all of Morgan 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 Jacksonville. 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 $4,487 (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
$1,170
at 7.18% · 30 years
Loan amount
$125,878
Total interest
$181,109
Paid off in
November 2056
Includes $2,165 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,527 a month
Your payment · 21%
Tight
$1,527 to $1,963 a month
Hard
more than $1,963 a month
Compared with the typical household income in Jacksonville ($65,432 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$853
Property tax
$207
Home insurance
$53
FHA mortgage insurance (MIP)
$57
You need at least $4,487 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 $1,170; principal and interest $853.
The city and its county
Jacksonville and Morgan County
Jacksonville is in Morgan 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).
Jacksonville
Map of Morgan County, Illinois, with Jacksonville marked. Around it, the neighboring counties.
Jacksonville
Morgan County
Jacksonville's own numbers
Typical home value
$128,200
Typical monthly rent
$711
Typical yearly household income
$65,432
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 Morgan 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)
+41%
Homes in a high flood-risk zone
4.7%
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 Morgan County.
A typical home in Jacksonville is worth $128,200: about the same as the county and 51% below Illinois. With the typical household income in Jacksonville ($65,432 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.
Jacksonville2.0 years
Morgan2.0 years
Illinois3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Morgan County
According to FHFA’s house price index, home prices in Morgan County rose 51% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Morgan County.
Yearly change in FHFA’s price index in Morgan County, 2016 to 2025
2016: +3.6% +3.6% 2016
2017: −1.5% −1.5% 2017
2018: +2.6% +2.6% 2018
2019: +1.1% +1.1% 2019
2020: +1.2% +1.2% 2020
2021: +5.5% +5.5% 2021
2022: +6.8% +6.8% 2022
2023: +13.1% +13.1% 2023
2024: +2.7% +2.7% 2024
2025: +7.7% +7.7% 2025
Change in FHFA’s price index in Morgan County, Illinois and the United States
Period
County
Illinois
U.S.
Last year (2025)
+7.7%
+5.7%
+2.9%
5 years (2020–2025)
+41%
+47%
+47%
10 years (2015–2025)
+51%
+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
Jacksonville next to Morgan 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
Jacksonville$128,200
Morgan$130,800
Illinois$263,300
United States$332,700
Typical monthly rent
Jacksonville$711
Morgan$722
Illinois$1,274
United States$1,413
Typical yearly household income
Jacksonville$65,432
Morgan$66,306
Illinois$83,390
United States$80,734
See the full table
Jacksonville next to Morgan County and Illinois
Measure
Jacksonville
Morgan County
Illinois
U.S.
Typical home value
$128,200
$130,800
$263,300
$332,700
Typical monthly rent
$711
$722
$1,274
$1,413
Typical yearly household income
$65,432
$66,306
$83,390
$80,734
Households that own their home
64% ▼9 points below the county
73%
67%
65%
Typical yearly property tax
$2,487 ▲8% above the county
$2,306
$5,298
$3,119
Effective property tax rate
1.94% ▲0.18 points above the county
1.76%
2.01%
0.94%
Renters with high rent for their income
32% ▼1 points below the county
33%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Morgan 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 Jacksonville
For a typical $128,200 home in Jacksonville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Jacksonville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,170a month
Least cash to close
Down payment
$4,487
Cash to close
$8,333
Rate
7.18%
Mortgage insurance
FHA MIP · $57
Conventional, 5% down$1,147a month
Down payment
$6,410
Cash to close
$10,256
Rate
7.18%
Mortgage insurance
PMI · $61
Conventional, 20% down, no PMI$955a month
Down payment
$25,640
Cash to close
$29,486
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,074a month
Down payment
$19,230
Cash to close
$23,076
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Jacksonville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,170
$4,487
$125,878
7.18%
FHA MIP · $57
$8,333
580
Conventional, 5% down
$1,147
$6,410
$121,790
7.18%
PMI · $61
$10,256
620*
Conventional, 20% down, no PMI
$955
$25,640
$102,560
7.18%
None
$29,486
620*
ITIN, 15% down (example)
$1,074
$19,230
$108,970
8.18%
None
$23,076
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 Jacksonville is $711 a month: about the same as the county. In Jacksonville, 32% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Morgan 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 Morgan County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$648
$12.46
$25,920
1 bedroom
$711
$13.67
$28,440
2 bedrooms
$930
$17.88
$37,200
3 bedrooms
$1,146
$22.04
$45,840
4 bedrooms
$1,554
$29.88
$62,160
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 Jacksonville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Jacksonville is in ZIP code 62650.
For 2 bedrooms it is $930: the same as the fair market rent for Morgan County.
Fair market rent by ZIP code and size in Jacksonville, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
62650
$650
$710
$930
$1,150
$1,550
ZIP code2 bd3 bd
62650 $930$1,150
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Jacksonville 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 11 buildings with rents for lower incomes in Jacksonville. These are the largest.
Beecher High Rise/Cottages301 W Beecher Ave, Jacksonville 62650200 homes, 190 low-income · Run by Morgan County Housing Authority · Average payment: $306 a month · Average wait: 4 months(217) 243-3338
Turner High Rise/Scattered MIDD Sites800 Hoagland Blvd, Jacksonville 62650135 homes, 124 low-income · Run by Morgan County Housing Authority · Average payment: $289 a month · Average wait: 4 months(217) 243-3338
1335 S. Diamond, LP1335 S Diamond St, Jacksonville 62650100 low-income homes · For older adults(217) 245-7911
Knollwood Retirement Center (SLF)20 Jacksonville Pl, Jacksonville 6265086 low-income homes · Studio: 60 · 1 bd: 22 · 2 bd: 4 · In service since 2004 · For older adults
Stonebridge Apts1225 Lincoln Ave, Jacksonville 6265076 low-income homes · 2 bd: 52 · 3 bd: 24 · In service since 2003 · For 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 Morgan 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 Jacksonville or Morgan County. The ones below are statewide in Illinois: they work in Jacksonville 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).
The HUD-approved agencies closest to the center of Jacksonville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Jacksonville or Morgan 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 Jacksonville and all of Morgan 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 Jacksonville?
The typical home value in Jacksonville is $128,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Morgan County it is $130,800.
How much does it cost to rent in Jacksonville?
Typical rent in Jacksonville is $711 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Morgan County is $930.
What is the FHA loan limit in Jacksonville?
Jacksonville uses the FHA limit for all of Morgan 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 Jacksonville?
The typical homeowner in Jacksonville pays $2,487 a year, according to the U.S. Census Bureau. That is 1.94% of the home’s value; in Morgan County, the rate is 1.76%.
Where can I find free help to buy or rent in Jacksonville?
We found no HUD-approved counseling agencies with an office in Morgan County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
