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City · 7,445 residents · Jersey County, Illinois

Jerseyville , Illinois

In Jerseyville, a typical home is worth $143,900 and typical rent is $869 a month. Compared with all of Jersey County, the typical home value is 16% lower, typical household income is 9% lower, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $143,900

    16% below the county

    45% below Illinois

    • Jerseyville
    • Jersey
    • Illinois

  • Typical rent

    $869a month

    3% above the county

    32% below Illinois

    • Jerseyville
    • Jersey
    • Illinois

  • Typical household income

    $73,529a year

    9% below the county

    12% below Illinois

    • Jerseyville
    • Jersey
    • Illinois

  • Households that own their home

    70%

    11 points below the county

    3 points above Illinois

    • Jerseyville
    • Jersey
    • Illinois

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

Market now, with Zillow data

Zillow data
Typical home value
$145,850
1.8% more than 12 months ago

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

Jerseyville is in Jersey 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 Jersey County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Jerseyville apart

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

  1. Nearby, in Alton, the typical home value is $103,700: 28% less than in Jerseyville ($143,900).

  2. Jerseyville has the 17th smallest share of rent-burdened renters of the 291 cities in Illinois with more than 5,000 people (34%).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Jerseyville rose 1.8%; in Illinois, it rose 5.3%.

  4. The typical home in Jerseyville is worth $143,900, 16% less than in Jersey County as a whole ($171,900).

  5. 70% of households in Jerseyville own their home, against 81% in Jersey County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Jerseyville

What homes there are in Jerseyville, 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

In Jerseyville, 9 in 10 homes are single-family detached houses, about the same as in Jersey County.

Year built

There are fewer big homes in Jerseyville than in Jersey County: 56% have 3 bedrooms or more, against 64%.

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

With an FHA limit of $541,287, at least 96% of owner-occupied homes in Jerseyville sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,323 a month

Jersey County: $1,517 a month

Without a mortgage

$611 a month

Jersey County: $649 a month

Owners with a mortgage

54%

Jersey County: 56%

Owning costs less in Jerseyville: with a mortgage, the typical cost is $1,323 a month; in Jersey County, $1,517. Without one, $611.

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

Since 2015–2019, homes in Jerseyville gained value faster than in Jersey County: 26% against 16%.

Rents in Jerseyville rose faster than in Jersey County: 39% since 2015–2019, against 31%.

The typical household income in Jerseyville rose 50%: more than home values (+26%) and rent (+39%).

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

MeasureJerseyvilleJersey CountyIllinoisUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.0%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 2.402.542.462.53
Drive alone 80%75%66%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimateUnreliable estimate6%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 11%12%16%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Jerseyville are smaller: 2.40 people on average; in Jersey County, 2.54.

To get to work, 80% of workers in Jerseyville drive alone; in Jersey County, 75%.

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 Jerseyville?

A typical home is within reach of the typical income

We start with a typical home in Jerseyville, worth $143,900, 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 Jerseyville, which is $73,529 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Jerseyville. 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 $5,037 (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

$1,315

at 7.18% · 30 years

Loan amount
$141,293
Total interest
$203,288
Paid off in
November 2056

Includes $2,430 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,716 a month

    Your payment · 21%

  • Tight

    $1,716 to $2,206 a month

  • Hard

    more than $2,206 a month

Compared with the typical household income in Jerseyville ($73,529 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,315
Principal & interest$957
Property tax$234
Home insurance$60
FHA mortgage insurance (MIP)$64

You need at least $5,037 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

Jerseyville and Jersey County

Jerseyville is in Jersey 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).

Jerseyville's own numbers

Typical home value
$143,900
Typical monthly rent
$869
Typical yearly household income
$73,529
Households that own their home
70%
Effective property tax rate
1.95%

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

Numbers for all of Jersey County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,349
Price change over 5 years (FHFA)
+43%
Homes in a high flood-risk zone
2.6%

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 Jersey County.

Everything about Jersey County

Buying

Buying a home in Jerseyville

A typical home in Jerseyville is worth $143,900: 16% below the county and 45% below Illinois. With the typical household income in Jerseyville ($73,529 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.

  • Jerseyville 2.0 years
  • Jersey 2.1 years
  • Illinois 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Jersey County

According to FHFA’s house price index, home prices in Jersey County rose 56% in the 10 years through 2025.

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

Period County Illinois U.S.
Last year (2025) +7.4% +5.7% +2.9%
5 years (2020–2025) +43% +47% +47%
10 years (2015–2025) +56% +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

Jerseyville next to Jersey 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
  • Jerseyville $143,900
  • Jersey $171,900
  • Illinois $263,300
  • United States $332,700
Typical monthly rent
  • Jerseyville $869
  • Jersey $846
  • Illinois $1,274
  • United States $1,413
Typical yearly household income
  • Jerseyville $73,529
  • Jersey $80,361
  • Illinois $83,390
  • United States $80,734
See the full table
Jerseyville next to Jersey County and Illinois
Measure Jerseyville Jersey County Illinois U.S.
Typical home value $143,900 $171,900 $263,300 $332,700
Typical monthly rent $869 $846 $1,274 $1,413
Typical yearly household income $73,529 $80,361 $83,390 $80,734
Households that own their home 70% 81% 67% 65%
Typical yearly property tax $2,806 $3,020 $5,298 $3,119
Effective property tax rate 1.95% 1.76% 2.01% 0.94%
Renters with high rent for their income 34% 40% 48% 51%

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

For a typical $143,900 home in Jerseyville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Jerseyville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,315a month

    Least cash to close
    Down payment
    $5,037
    Cash to close
    $9,354
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $64

  • Conventional, 5% down $1,288a month

    Down payment
    $7,195
    Cash to close
    $11,512
    Rate
    7.18%
    Mortgage insurance
    PMI · $68

  • Conventional, 20% down, no PMI $1,074a month

    Down payment
    $28,780
    Cash to close
    $33,097
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,207a month

    Down payment
    $21,585
    Cash to close
    $25,902
    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 Jerseyville and for Jersey County.

Property tax

Effective rate in Jerseyville

1.95%of the home’s value each year

$2,806 a year for the typical owner in Jerseyville.

  • Jerseyville 1.95%
  • Jersey 1.76%
  • Illinois 2.01%

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

Exemptions and deadlines in Illinois

Flood risk in Jersey County

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

Homes in the high-risk zone
2.6%
215
Of those, with NFIP insurance
28%
County Illinois U.S.
Homes in the high-risk zone 2.6% 1.5% 3.5%
Of those, with NFIP insurance 28% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Jerseyville

Typical rent in Jerseyville is $869 a month: 3% above the county. In Jerseyville, 34% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jersey County, by unit size. To pay the 2-bedroom one ($1,349 a month) without spending more than 30% of your income, you would need to earn $25.94 an hour working full time.

HUD fair market rent for all of Jersey 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 $1,064 $20.46 $42,560
1 bedroom $1,104 $21.23 $44,160
2 bedrooms $1,349 $25.94 $53,960
3 bedrooms $1,731 $33.29 $69,240
4 bedrooms $1,997 $38.40 $79,880

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 Jerseyville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Jerseyville is in ZIP code 62052.

For 2 bedrooms it is $1,020: $329 less than the fair market rent for Jersey County ($1,349).

  • 62052 $1,020$1,310

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

HUD lists 6 buildings with rents for lower incomes in Jerseyville. These are the largest.

  • Brookshire Estates Apts 1241 Brookshire Pl, Jerseyville 62052 48 low-income homes · 2 bd: 36 · 3 bd: 12 · In service since 2005 · For families
  • Miller East Apartments 301 E Miller Dr, Jerseyville 62052 41 low-income homes · For families (618) 498-6811
  • Jerseyville Illinois Elderly HSNG 800 S Liberty St, Jerseyville 62052 34 low-income homes · For older adults (618) 498-9516
  • Lexington Farms Subdivision 1190 Lexington Dr, Jerseyville 62052 32 low-income homes · 1 bd: 32 · In service since 2011
  • Manor at Jerseyville Glen 1241 S Liberty ST, Jerseyville 62052 50 homes, 30 low-income · Studio: 30 · 1 bd: 20 · In service since 2011

See all 7 buildings in Jersey County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Jerseyville

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 Jersey County. The nearest ones are below; many serve by phone or online.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Jerseyville

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

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

  • Madison County Urban League

    408 E Broadway Street, Alton · 18 miles away

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

  • Macoupin County Housing Authority

    760 Anderson Street, Carlinville · 26 miles away

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

  • Urban League of Metropolitan ST. Louis - ST. Clair County Operations

    10220 Lincoln Trail, Fairview Heights · 40 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    618-274-1150-126

All counseling agencies in Illinois

Help in Spanish near Jerseyville

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 Jerseyville

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

  • Housing Authority of the County of Jersey Public housing and Section 8 vouchers (618) 498-9516

All housing agencies in Illinois Source: HUD

Cities

Nearby cities

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

Everything about Jersey County Housing in Illinois

Neighboring counties

If Jersey 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 Jerseyville.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Jerseyville

Short answers with the numbers for Jerseyville and all of Jersey 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 Jerseyville?

The typical home value in Jerseyville is $143,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jersey County it is $171,900.

How much does it cost to rent in Jerseyville?

Typical rent in Jerseyville is $869 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jersey County is $1,349.

What is the FHA loan limit in Jerseyville?

Jerseyville uses the FHA limit for all of Jersey 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 Jerseyville?

The typical homeowner in Jerseyville pays $2,806 a year, according to the U.S. Census Bureau. That is 1.95% of the home’s value; in Jersey County, the rate is 1.76%.

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

We found no HUD-approved counseling agencies with an office in Jersey County; the nearest ones are on this page. 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).