In Metropolis, a typical home is worth $86,000 and typical rent is $752 a month. Compared with all of Massac County, the typical home value is 29% lower, typical household income is 23% lower, and the share of households that own their home is 15 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $109,190 to $122,820.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Metropolis is in Massac 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 Massac County. See the county
What this place has that others do not, from public data, most unusual first.
1
Metropolis has the 14th lowest typical home value of the 336 cities in Illinois with more than 5,000 people ($86,000).
2
Metropolis has the 14th lowest typical rent of the 331 cities in Illinois with more than 5,000 people ($752).
3
61% of households in Metropolis own their home, against 76% in Massac County.
4
The typical household income in Metropolis is $50,399,23% less than in Massac County as a whole ($65,116).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Metropolis
What homes there are in Metropolis, 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
Metropolis
Massac County
Illinois
United States
Kind of home: Metropolis and its comparisons
Measure
Metropolis
Massac County
Illinois
United States
Detached house
73%
77%
58%
61%
Attached house
Unreliable estimate
Unreliable estimate
6%
6%
Building of 2 to 4
12%
6%
12%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
22%
19%
Mobile home
10%
14%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Metropolis, 7 in 10 homes are single-family detached houses; in Massac County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Metropolis
Massac County
Illinois
United States
Year built: Metropolis and its comparisons
Measure
Metropolis
Massac County
Illinois
United States
Before 1960
42%
30%
38%
26%
1960–1979
26%
27%
26%
24%
1980–1999
25%
29%
20%
25%
2000–2009
Unreliable estimate
10%
11%
14%
2010 or later
Unreliable estimate
4%
6%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K59%
$100K–$200K28%
$200K–$300K12%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Metropolis and its comparisons
Measure
Metropolis
Under $100K
59%
$100K–$200K
28%
$200K–$300K
12%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99969%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Metropolis and its comparisons
Measure
Metropolis
Under $500
Unreliable estimate
$500–$999
69%
$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
With a mortgage
$1,113 a month
Massac County: $1,318 a month
Without a mortgage
$465 a month
Massac County: $527 a month
Owners with a mortgage
59%
Massac County: 47%
Owning costs less in Metropolis: with a mortgage, the typical cost is $1,113 a month; in Massac County, $1,318. Without one, $465.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
MetropolisNo clear change
Massac County+46%
Illinois+35%
United States+53%
Typical rent
MetropolisNo clear change
Massac CountyNo clear change
Illinois+26%
United States+33%
Typical household income
Metropolis+41%
Massac County+37%
Illinois+27%
United States+29%
Change since 2015–2019: Metropolis and its comparisons
Measure
Metropolis
Massac County
Illinois
United States
Typical home value
No clear change
+46%
+35%
+53%
Typical rent
No clear change
No clear change
+26%
+33%
Typical household income
+41%
+37%
+27%
+29%
Since 2015–2019, home values in Metropolis moved so little that the Census cannot say whether they rose or fell.
Rent in Metropolis moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Metropolis and its comparisons
Measure
Metropolis
Massac 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
2.49
2.46
2.53
Drive alone
80%
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
5%
16%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
On average, a household in Metropolis has 2.31 people, fewer than in Massac County (2.49).
To get to work, 80% of workers in Metropolis drive alone; in Massac County, 85%.
Do the math
What would you pay each month for a home in Metropolis?
A typical home is within reach of the typical income
We start with a typical home in Metropolis, worth $86,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 18% of the typical household income in Metropolis, which is $50,399 a year.
The calculator's FHA and conventional loan limits are those of all of Massac 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 Metropolis. 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 $3,010 (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
$758
at 7.18% · 30 years
Loan amount
$84,442
Total interest
$121,493
Paid off in
November 2056
Includes $1,452 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,176 a month
Your payment · 18%
Tight
$1,176 to $1,512 a month
Hard
more than $1,512 a month
Compared with the typical household income in Metropolis ($50,399 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$572
Property tax
$113
Home insurance
$36
FHA mortgage insurance (MIP)
$38
You need at least $3,010 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 $758; principal and interest $572.
The city and its county
Metropolis and Massac County
Metropolis is in Massac 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).
Metropolis
Map of Massac County, Illinois, with Metropolis marked. Around it, the neighboring counties.
Metropolis
Massac County
Metropolis's own numbers
Typical home value
$86,000
Typical monthly rent
$752
Typical yearly household income
$50,399
Households that own their home
61%
Effective property tax rate
1.57%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Massac County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$993
Price change over 5 years (FHFA)
+38%
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 Massac County.
A typical home in Metropolis is worth $86,000: 29% below the county and 67% below Illinois. With the typical household income in Metropolis ($50,399 a year), a typical home costs 1.7 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.
Metropolis1.7 years
Massac1.9 years
Illinois3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Massac County
According to FHFA’s house price index, home prices in Massac County rose 40% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Massac County.
Yearly change in FHFA’s price index in Massac County, 2016 to 2025
2016: +2.7% +2.7% 2016
2017: −6.4% −6.4% 2017
2018: +3.4% +3.4% 2018
2019: +6.6% +6.6% 2019
2020: −3.8% −3.8% 2020
2021: +4.6% +4.6% 2021
2022: +15.9% +15.9% 2022
2023: +1.7% +1.7% 2023
2024: +8.7% +8.7% 2024
2025: +2.7% +2.7% 2025
Change in FHFA’s price index in Massac County, Illinois and the United States
Period
County
Illinois
U.S.
Last year (2025)
+2.7%
+5.7%
+2.9%
5 years (2020–2025)
+38%
+47%
+47%
10 years (2015–2025)
+40%
+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
Metropolis next to Massac 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
Metropolis$86,000
Massac$121,900
Illinois$263,300
United States$332,700
Typical monthly rent
Metropolis$752
Massac$756
Illinois$1,274
United States$1,413
Typical yearly household income
Metropolis$50,399
Massac$65,116
Illinois$83,390
United States$80,734
See the full table
Metropolis next to Massac County and Illinois
Measure
Metropolis
Massac County
Illinois
U.S.
Typical home value
$86,000 ▼29% below the county
$121,900
$263,300
$332,700
Typical monthly rent
$752
$756
$1,274
$1,413
Typical yearly household income
$50,399 ▼23% below the county
$65,116
$83,390
$80,734
Households that own their home
61% ▼15 points below the county
76%
67%
65%
Typical yearly property tax
$1,353 ▼21% below the county
$1,704
$5,298
$3,119
Effective property tax rate
1.57% ▲0.17 points above the county
1.4%
2.01%
0.94%
Renters with high rent for their income
53% ▲2 points above the county
51%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Massac 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 Metropolis
For a typical $86,000 home in Metropolis, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Metropolis's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$758a month
Least cash to close
Down payment
$3,010
Cash to close
$5,590
Rate
7.18%
Mortgage insurance
FHA MIP · $38
Conventional, 5% down$743a month
Down payment
$4,300
Cash to close
$6,880
Rate
7.18%
Mortgage insurance
PMI · $41
Conventional, 20% down, no PMI$614a month
Down payment
$17,200
Cash to close
$19,780
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$694a month
Down payment
$12,900
Cash to close
$15,480
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Metropolis
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$758
$3,010
$84,442
7.18%
FHA MIP · $38
$5,590
580
Conventional, 5% down
$743
$4,300
$81,700
7.18%
PMI · $41
$6,880
620*
Conventional, 20% down, no PMI
$614
$17,200
$68,800
7.18%
None
$19,780
620*
ITIN, 15% down (example)
$694
$12,900
$73,100
8.18%
None
$15,480
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 Metropolis is $752 a month: about the same as the county. In Metropolis, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Massac County, by unit size. To pay the 2-bedroom one ($993 a month) without spending more than 30% of your income, you would need to earn $19.10 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 Massac County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$706
$13.58
$28,240
1 bedroom
$766
$14.73
$30,640
2 bedrooms
$993
$19.10
$39,720
3 bedrooms
$1,375
$26.44
$55,000
4 bedrooms
$1,402
$26.96
$56,080
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 Metropolis
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Metropolis is in ZIP code 62960.
For 2 bedrooms it is $990: $3 less than the fair market rent for Massac County ($993).
Fair market rent by ZIP code and size in Metropolis, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
62960
$720
$760
$990
$1,370
$1,400
ZIP code2 bd3 bd
62960 $990$1,370
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Metropolis 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 Metropolis. These are the largest.
Fairmount Apts126 E 3rd St, Metropolis 62960233 low-income homes · Run by Massac County Housing Authority · Average payment: $357 a month · Average wait: 37 months(618) 524-8411
Country Villages I, II, III40 Lois Ln, Metropolis 62960104 low-income homes · For families(618) 997-5365
Parkview Apts of Metropolis1055 E 8th St, Metropolis 6296042 low-income homes · 1 bd: 13 · 2 bd: 20 · 3 bd: 9 · In service since 2006 · 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 Massac 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 Metropolis or Massac County. The ones below are statewide in Illinois: they work in Metropolis 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 Metropolis or Massac 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 Metropolis and all of Massac 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 Metropolis?
The typical home value in Metropolis is $86,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Massac County it is $121,900.
How much does it cost to rent in Metropolis?
Typical rent in Metropolis is $752 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Massac County is $993.
What is the FHA loan limit in Metropolis?
Metropolis uses the FHA limit for all of Massac 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 Metropolis?
The typical homeowner in Metropolis pays $1,353 a year, according to the U.S. Census Bureau. That is 1.57% of the home’s value; in Massac County, the rate is 1.4%.
Where can I find free help to buy or rent in Metropolis?
We found no HUD-approved counseling agencies with an office in Massac County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
