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City · 14,894 residents · McDonough County, Illinois

Macomb , Illinois

In Macomb, a typical home is worth $103,300 and typical rent is $765 a month. Compared with all of McDonough County, typical household income is 16% lower and the share of households that own their home is 14 points lower.

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  • Typical home value

    $103,300

    4% below the county

    61% below Illinois

    • Macomb
    • McDonough
    • Illinois

  • Typical rent

    $765a month

    About the same as the county

    40% below Illinois

    • Macomb
    • McDonough
    • Illinois

  • Typical household income

    $44,411a year

    16% below the county

    47% below Illinois

    • Macomb
    • McDonough
    • Illinois

  • Households that own their home

    49%

    14 points below the county

    18 points below Illinois

    • Macomb
    • McDonough
    • Illinois

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

Market now, with Zillow data

Zillow data
Typical home value
$112,774
3.2% more than 12 months ago

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

Macomb is in McDonough 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 McDonough County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Macomb apart

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

  1. Macomb has the 8th lowest homeownership rate of the 337 cities in Illinois with more than 5,000 people (49%).

  2. Macomb has the 8th lowest typical household income of the 337 cities in Illinois with more than 5,000 people ($44,411).

  3. Nearby, in Beardstown, the typical home value is $82,100: 21% less than in Macomb ($103,300).

  4. Macomb has the 20th lowest typical rent of the 331 cities in Illinois with more than 5,000 people ($765).

  5. Macomb has the 29th lowest typical home value of the 336 cities in Illinois with more than 5,000 people ($103,300).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Macomb

What homes there are in Macomb, 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

The detached house is still the most common home in Macomb, but it weighs less than in McDonough County: 53% against 67%.

Year built

The typical year built in Macomb is 1967, about the same as in McDonough County (1965).

In Macomb, 19% of homes have 1 bedroom or none (studios); 42% have 3 bedrooms or more, against 52% in McDonough County.

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
Monthly rent with utilities

About 65% of rented homes in Macomb cost less than HUD's 2-bedroom fair market rent for McDonough County ($930); the rest cost more.

With a mortgage

$1,234 a month

McDonough County: $1,166 a month

Without a mortgage

$579 a month

McDonough County: $560 a month

Owners with a mortgage

50%

McDonough County: 50%

Owning costs more in Macomb: with a mortgage, the typical cost is $1,234 a month; in McDonough County, $1,166. Without one, $579.

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

From 2015–2019 to 2020–2024, the typical home value in Macomb did not change clearly: the difference is within the Census margin of error.

The typical rent in Macomb stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureMacombMcDonough CountyIllinoisUnited States
Rental vacancy 12.5%11.8%5.0%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 1.902.052.462.53
Drive alone 75%77%66%69%
Carpool 8%10%8%9%
Public transit Unreliable estimateUnreliable estimate6%3%
Walk or bike 8%5%3%3%
Work from home 8%7%16%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Macomb look like those in McDonough County: the rental vacancy rate is 12.5%.

Households in Macomb are smaller: 1.90 people on average; in McDonough County, 2.05.

In Macomb, 8% of workers walk or bike to work; in McDonough County, 5%.

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 Macomb?

A typical home is within reach of the typical income

We start with a typical home in Macomb, worth $103,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Macomb, which is $44,411 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Macomb. 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 $3,616 (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

$1,007

at 7.18% · 30 years

Loan amount
$101,428
Total interest
$145,932
Paid off in
November 2056

Includes $1,744 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,036 a month

    Your payment · 27%

  • Tight

    $1,036 to $1,332 a month

  • Hard

    more than $1,332 a month

Compared with the typical household income in Macomb ($44,411 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,007
Principal & interest$687
Property tax$231
Home insurance$43
FHA mortgage insurance (MIP)$46

You need at least $3,616 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

Macomb and McDonough County

Macomb is in McDonough 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).

Macomb's own numbers

Typical home value
$103,300
Typical monthly rent
$765
Typical yearly household income
$44,411
Households that own their home
49%
Effective property tax rate
2.68%

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

Numbers for all of McDonough 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%

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 McDonough County.

Everything about McDonough County

Buying

Buying a home in Macomb

A typical home in Macomb is worth $103,300: 4% below the county and 61% below Illinois. With the typical household income in Macomb ($44,411 a year), a typical home costs 2.3 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.

  • Macomb 2.3 years
  • McDonough 2.0 years
  • Illinois 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in McDonough County

According to FHFA’s house price index, home prices in McDonough County rose 26% in the 10 years through 2025.

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

Period County Illinois U.S.
Last year (2025) +0.3% +5.7% +2.9%
5 years (2020–2025) +30% +47% +47%
10 years (2015–2025) +26% +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

Macomb next to McDonough 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
  • Macomb $103,300
  • McDonough $107,500
  • Illinois $263,300
  • United States $332,700
Typical monthly rent
  • Macomb $765
  • McDonough $761
  • Illinois $1,274
  • United States $1,413
Typical yearly household income
  • Macomb $44,411
  • McDonough $52,795
  • Illinois $83,390
  • United States $80,734
See the full table
Macomb next to McDonough County and Illinois
Measure Macomb McDonough County Illinois U.S.
Typical home value $103,300 $107,500 $263,300 $332,700
Typical monthly rent $765 $761 $1,274 $1,413
Typical yearly household income $44,411 $52,795 $83,390 $80,734
Households that own their home 49% 63% 67% 65%
Typical yearly property tax $2,771 $2,285 $5,298 $3,119
Effective property tax rate 2.68% 2.13% 2.01% 0.94%
Renters with high rent for their income 50% 48% 48% 51%

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

For a typical $103,300 home in Macomb, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Macomb's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,007a month

    Least cash to close
    Down payment
    $3,616
    Cash to close
    $6,715
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $46

  • Conventional, 5% down $988a month

    Down payment
    $5,165
    Cash to close
    $8,264
    Rate
    7.18%
    Mortgage insurance
    PMI · $49

  • Conventional, 20% down, no PMI $834a month

    Down payment
    $20,660
    Cash to close
    $23,759
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $929a month

    Down payment
    $15,495
    Cash to close
    $18,594
    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 Macomb and for McDonough County.

Property tax

Effective rate in Macomb

2.68%of the home’s value each year

$2,771 a year for the typical owner in Macomb.

  • Macomb 2.68%
  • McDonough 2.13%
  • Illinois 2.01%

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

Exemptions and deadlines in Illinois

Flood risk in McDonough County

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

FEMA’s maps count no homes in the high-risk zone in McDonough County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Macomb

Typical rent in Macomb is $765 a month: about the same as the county. In Macomb, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of McDonough 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.

HUD fair market rent for all of McDonough 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 $648 $12.46 $25,920
1 bedroom $714 $13.73 $28,560
2 bedrooms $930 $17.88 $37,200
3 bedrooms $1,186 $22.81 $47,440
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 Macomb

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Macomb is in ZIP code 61455.

For 2 bedrooms it is $940: $10 more than the fair market rent for McDonough County ($930).

  • 61455 $940$1,200

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

HUD lists 9 buildings with rents for lower incomes in Macomb. These are the largest.

  • Jefferson House 900 E Jefferson St, Macomb 61455 115 low-income homes · 1 bd: 112 · In service since 2002 · For older adults (309) 837-9955
  • Eisenhower Tower 322 W Piper St, Macomb 61455 109 homes, 107 low-income · Run by Housing Authority of the County of McDonough · Average payment: $244 a month · Average wait: 11 months (309) 837-2363
  • Lafayette Square Apartments 100 W Jefferson St, Macomb 61455 101 homes, 100 low-income · For older adults (309) 833-3785
  • Prairieview 401A N Prairie Ave, Macomb 61455 98 homes, 97 low-income · Run by Housing Authority of the County of McDonough · Average payment: $308 a month · Average wait: 35 months (309) 837-2363
  • Turnberry Village Macomb 101 Wigwam Hollow Cir, Macomb 61455 88 low-income homes · Studio: 1 · 2 bd: 60 · 3 bd: 27 · In service since 2001 · For people with disabilities, families

See all 13 buildings in McDonough County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Macomb

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

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Macomb

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

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

  • Metec

    2605 W Krause Ave, Peoria · 57 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (309) 676-3832

  • Navicore Solutions- Peoria, IL

    416 Main St, Peoria · 59 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (866) 472-4557

  • Economic Growth Corporation

    371 3rd St W, Milan · 68 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (309) 788-6311

All counseling agencies in Illinois

Help in Spanish near Macomb

2 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 Macomb

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

  • Housing Authority of the County of McDonough Public housing and Section 8 vouchers (309) 837-2363

All housing agencies in Illinois Source: HUD

Cities

Nearby cities

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

Everything about McDonough County Housing in Illinois

Neighboring counties

If McDonough 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 Macomb.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Macomb

Short answers with the numbers for Macomb and all of McDonough 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 Macomb?

The typical home value in Macomb is $103,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in McDonough County it is $107,500.

How much does it cost to rent in Macomb?

Typical rent in Macomb is $765 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in McDonough County is $930.

What is the FHA loan limit in Macomb?

Macomb uses the FHA limit for all of McDonough 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 Macomb?

The typical homeowner in Macomb pays $2,771 a year, according to the U.S. Census Bureau. That is 2.68% of the home’s value; in McDonough County, the rate is 2.13%.

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

We found no HUD-approved counseling agencies with an office in McDonough 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).