In Johnsburg, a typical home is worth $328,300 and typical rent is $1,128 a month. Compared with all of McHenry County, typical rent is 19% lower, typical household income is 15% higher, and the share of households that own their home is 10 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $295,902 to $404,935.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Johnsburg is in McHenry 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 McHenry County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Fox Lake, the typical home value is $228,100: 31% less than in Johnsburg ($328,300).
2
Johnsburg has the 17th highest homeownership rate of the 337 cities in Illinois with more than 5,000 people (93%).
3
The typical rent in Johnsburg is $1,128 a month, 19% less than in McHenry County as a whole ($1,401).
4
The typical household income in Johnsburg is $121,023,15% more than in McHenry County as a whole ($104,802).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Johnsburg
What homes there are in Johnsburg, 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
Johnsburg
McHenry County
Illinois
United States
Kind of home: Johnsburg and its comparisons
Measure
Johnsburg
McHenry County
Illinois
United States
Detached house
93%
77%
58%
61%
Attached house
Unreliable estimate
10%
6%
6%
Building of 2 to 4
Unreliable estimate
4%
12%
8%
Apartments (5 or more)
Unreliable estimate
8%
22%
19%
Mobile home
Unreliable estimate
1%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 93% of homes here, against 77% in McHenry County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Johnsburg
McHenry County
Illinois
United States
Year built: Johnsburg and its comparisons
Measure
Johnsburg
McHenry County
Illinois
United States
Before 1960
25%
18%
38%
26%
1960–1979
24%
20%
26%
24%
1980–1999
29%
36%
20%
25%
2000–2009
19%
20%
11%
14%
2010 or later
Unreliable estimate
6%
6%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K33%
$300K–$500K51%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Johnsburg and its comparisons
Measure
Johnsburg
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
33%
$300K–$500K
51%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Johnsburg and its comparisons
Measure
Johnsburg
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$2,048 a month
McHenry County: $2,137 a month
Without a mortgage
$1,000 a month
McHenry County: $945 a month
Owners with a mortgage
66%
McHenry County: 68%
Owning costs about the same in Johnsburg as in McHenry County: with a mortgage, $2,048 a month; without one, $1,000.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Johnsburg+18%
McHenry County+37%
Illinois+35%
United States+53%
Typical rent
Johnsburg−20%
McHenry County+17%
Illinois+26%
United States+33%
Typical household income
JohnsburgNo clear change
McHenry County+21%
Illinois+27%
United States+29%
Change since 2015–2019: Johnsburg and its comparisons
Measure
Johnsburg
McHenry County
Illinois
United States
Typical home value
+18%
+37%
+35%
+53%
Typical rent
−20%
+17%
+26%
+33%
Typical household income
No clear change
+21%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Johnsburg rose 18%; in McHenry County, it rose 37%.
The typical rent in Johnsburg fell 20% over the same time; in McHenry County, it rose 17%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Johnsburg and its comparisons
Measure
Johnsburg
McHenry County
Illinois
United States
Rental vacancy
Unreliable estimate
2.9%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
0.5%
1.0%
0.9%
More than one person per room
Unreliable estimate
1.5%
2.5%
3.4%
People per household
2.59
2.64
2.46
2.53
Drive alone
83%
73%
66%
69%
Carpool
Unreliable estimate
8%
8%
9%
Public transit
Unreliable estimate
1%
6%
3%
Walk or bike
Unreliable estimate
1%
3%
3%
Work from home
11%
16%
16%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
By size, households in Johnsburg look like those in McHenry County: 2.59 people on average.
In Johnsburg, 83% of workers drive alone to work; in McHenry County, 73%.
Do the math
What would you pay each month for a home in Johnsburg?
A typical home is tight for the typical income
We start with a typical home in Johnsburg, worth $328,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Johnsburg, which is $121,023 a year. For that payment to be 28% of income, a household would need to earn about $131,938 a year.
The calculator's FHA and conventional loan limits are those of all of McHenry 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 Johnsburg. 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 $11,491 (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
$3,079
at 7.18% · 30 years
Loan amount
$322,353
Total interest
$463,791
Paid off in
November 2056
Includes $5,544 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,824 a month
Tight
$2,824 to $3,631 a month
Your payment · 31%
Hard
more than $3,631 a month
Compared with the typical household income in Johnsburg ($121,023 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,184
Property tax
$613
Home insurance
$137
FHA mortgage insurance (MIP)
$145
You need at least $11,491 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 $3,079; principal and interest $2,184.
The city and its county
Johnsburg and McHenry County
Johnsburg is in McHenry 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).
Johnsburg
Map of McHenry County, Illinois, with Johnsburg marked. Around it, the neighboring counties.
Johnsburg
McHenry County
Other cities with a page
Johnsburg's own numbers
Typical home value
$328,300
Typical monthly rent
$1,128
Typical yearly household income
$121,023
Households that own their home
93%
Effective property tax rate
2.24%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of McHenry County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,011
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
2.9%
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 McHenry County.
A typical home in Johnsburg is worth $328,300: 7% above the county and 25% above Illinois. With the typical household income in Johnsburg ($121,023 a year), a typical home costs 2.7 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.
Johnsburg2.7 years
McHenry2.9 years
Illinois3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in McHenry County
According to FHFA’s house price index, home prices in McHenry County rose 86% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of McHenry County.
Yearly change in FHFA’s price index in McHenry County, 2016 to 2025
2016: +3.0% +3.0% 2016
2017: +5.0% +5.0% 2017
2018: +4.5% +4.5% 2018
2019: +2.8% +2.8% 2019
2020: +2.0% +2.0% 2020
2021: +10.3% +10.3% 2021
2022: +14.6% +14.6% 2022
2023: +9.4% +9.4% 2023
2024: +7.4% +7.4% 2024
2025: +5.8% +5.8% 2025
Change in FHFA’s price index in McHenry County, Illinois and the United States
Period
County
Illinois
U.S.
Last year (2025)
+5.8%
+5.7%
+2.9%
5 years (2020–2025)
+57%
+47%
+47%
10 years (2015–2025)
+86%
+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
Johnsburg next to McHenry 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
Johnsburg$328,300
McHenry$308,100
Illinois$263,300
United States$332,700
Typical monthly rent
Johnsburg$1,128
McHenry$1,401
Illinois$1,274
United States$1,413
Typical yearly household income
Johnsburg$121,023
McHenry$104,802
Illinois$83,390
United States$80,734
See the full table
Johnsburg next to McHenry County and Illinois
Measure
Johnsburg
McHenry County
Illinois
U.S.
Typical home value
$328,300 ▲7% above the county
$308,100
$263,300
$332,700
Typical monthly rent
$1,128 ▼19% below the county
$1,401
$1,274
$1,413
Typical yearly household income
$121,023 ▲15% above the county
$104,802
$83,390
$80,734
Households that own their home
93% ▲10 points above the county
83%
67%
65%
Typical yearly property tax
$7,367
$7,274
$5,298
$3,119
Effective property tax rate
2.24% ▼0.12 points below the county
2.36%
2.01%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below McHenry 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 Johnsburg
For a typical $328,300 home in Johnsburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Johnsburg's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,079a month
Least cash to close
Down payment
$11,491
Cash to close
$21,340
Rate
7.18%
Mortgage insurance
FHA MIP · $145
Conventional, 5% down$3,018a month
Down payment
$16,415
Cash to close
$26,264
Rate
7.18%
Mortgage insurance
PMI · $156
Conventional, 20% down, no PMI$2,529a month
Down payment
$65,660
Cash to close
$75,509
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,832a month
Down payment
$49,245
Cash to close
$59,094
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Johnsburg
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,079
$11,491
$322,354
7.18%
FHA MIP · $145
$21,340
580
Conventional, 5% down
$3,018
$16,415
$311,885
7.18%
PMI · $156
$26,264
620*
Conventional, 20% down, no PMI
$2,529
$65,660
$262,640
7.18%
None
$75,509
620*
ITIN, 15% down (example)
$2,832
$49,245
$279,055
8.18%
None
$59,094
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 Johnsburg is $1,128 a month: 19% below the county.
HUD publishes a fair market rent for all of McHenry County, by unit size. To pay the 2-bedroom one ($2,011 a month) without spending more than 30% of your income, you would need to earn $38.67 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 McHenry County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,678
$32.27
$67,120
1 bedroom
$1,780
$34.23
$71,200
2 bedrooms
$2,011
$38.67
$80,440
3 bedrooms
$2,586
$49.73
$103,440
4 bedrooms
$2,954
$56.81
$118,160
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 Johnsburg
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Johnsburg is in ZIP code 60051.
For 2 bedrooms it is $2,270: $259 more than the fair market rent for McHenry County ($2,011).
Fair market rent by ZIP code and size in Johnsburg, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
60051
$1,890
$2,010
$2,270
$2,920
$3,330
ZIP code2 bd3 bd
60051 $2,270$2,920
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Johnsburg 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 McHenry County; 2 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Johnsburg or McHenry County. The ones below are statewide in Illinois: they work in Johnsburg 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 Johnsburg or McHenry 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 Johnsburg and all of McHenry 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 Johnsburg?
The typical home value in Johnsburg is $328,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in McHenry County it is $308,100.
How much does it cost to rent in Johnsburg?
Typical rent in Johnsburg is $1,128 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in McHenry County is $2,011.
What is the FHA loan limit in Johnsburg?
Johnsburg uses the FHA limit for all of McHenry 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 Johnsburg?
The typical homeowner in Johnsburg pays $7,367 a year, according to the U.S. Census Bureau. That is 2.24% of the home’s value; in McHenry County, the rate is 2.36%.
Where can I find free help to buy or rent in Johnsburg?
There are 2 HUD-approved counseling agencies with an office in McHenry County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
