In Mount Zion, a typical home is worth $201,100 and typical rent is $744 a month. Compared with all of Macon County, typical household income is 65% higher, the typical home value is 58% higher, and the share of households that own their home is 11 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $160,479 to $198,919.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Mount Zion is in Macon 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 Macon County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Pana, the typical home value is $77,900: 61% less than in Mount Zion ($201,100).
2
The typical household income in Mount Zion is $103,365,65% more than in Macon County as a whole ($62,666).
3
The typical home in Mount Zion is worth $201,100,58% more than in Macon County as a whole ($127,300).
4
Mount Zion has the 13th lowest typical rent of the 331 cities in Illinois with more than 5,000 people ($744).
5
81% of households in Mount Zion own their home, against 70% in Macon County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Mount Zion
What homes there are in Mount Zion, 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
Mount Zion
Macon County
Illinois
United States
Kind of home: Mount Zion and its comparisons
Measure
Mount Zion
Macon County
Illinois
United States
Detached house
83%
79%
58%
61%
Attached house
Unreliable estimate
2%
6%
6%
Building of 2 to 4
Unreliable estimate
3%
12%
8%
Apartments (5 or more)
Unreliable estimate
14%
22%
19%
Mobile home
Unreliable estimate
2%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 83% of homes here, against 79% in Macon County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Mount Zion
Macon County
Illinois
United States
Year built: Mount Zion and its comparisons
Measure
Mount Zion
Macon County
Illinois
United States
Before 1960
11%
45%
38%
26%
1960–1979
43%
31%
26%
24%
1980–1999
20%
17%
20%
25%
2000–2009
19%
6%
11%
14%
2010 or later
Unreliable estimate
2%
6%
11%
Here half of the homes date from 1979 or later; in Macon County, from 1964 or later.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K43%
$200K–$300K26%
$300K–$500K21%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Mount Zion and its comparisons
Measure
Mount Zion
Under $100K
Unreliable estimate
$100K–$200K
43%
$200K–$300K
26%
$300K–$500K
21%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99967%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Mount Zion and its comparisons
Measure
Mount Zion
Under $500
Unreliable
$500–$999
67%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,914 a month
Macon County: $1,292 a month
Without a mortgage
$587 a month
Macon County: $553 a month
Owners with a mortgage
64%
Macon County: 53%
In Mount Zion, 64% of owners have a mortgage, and their typical cost is $1,914 a month, against $1,292 in Macon County. Without one it drops to $587.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Mount Zion+32%
Macon County+29%
Illinois+35%
United States+53%
Typical rent
Mount ZionNo clear change
Macon County+24%
Illinois+26%
United States+33%
Typical household income
Mount Zion+21%
Macon County+24%
Illinois+27%
United States+29%
Change since 2015–2019: Mount Zion and its comparisons
Measure
Mount Zion
Macon County
Illinois
United States
Typical home value
+32%
+29%
+35%
+53%
Typical rent
No clear change
+24%
+26%
+33%
Typical household income
+21%
+24%
+27%
+29%
The typical home value in Mount Zion rose 32% since 2015–2019, about the same as in Macon County (29%).
Since 2015–2019, the typical rent in Mount Zion did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Mount Zion and its comparisons
Measure
Mount Zion
Macon County
Illinois
United States
Rental vacancy
Unreliable estimate
11.8%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.0%
0.9%
More than one person per room
Unreliable estimate
1.3%
2.5%
3.4%
People per household
2.69
2.27
2.46
2.53
Drive alone
90%
81%
66%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
1%
6%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
Unreliable estimate
8%
16%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Households in Mount Zion are bigger: 2.69 people on average; in Macon County, 2.27.
To get to work, 90% of workers in Mount Zion drive alone; in Macon County, 81%.
Do the math
What would you pay each month for a home in Mount Zion?
A typical home is within reach of the typical income
We start with a typical home in Mount Zion, worth $201,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 22% of the typical household income in Mount Zion, which is $103,365 a year.
The calculator's FHA and conventional loan limits are those of all of Macon 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 Mount Zion. 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 $7,039 (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
$1,862
at 7.18% · 30 years
Loan amount
$197,457
Total interest
$284,094
Paid off in
November 2056
Includes $3,396 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,412 a month
Your payment · 22%
Tight
$2,412 to $3,101 a month
Hard
more than $3,101 a month
Compared with the typical household income in Mount Zion ($103,365 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,338
Property tax
$352
Home insurance
$84
FHA mortgage insurance (MIP)
$89
You need at least $7,039 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 $1,862; principal and interest $1,338.
The city and its county
Mount Zion and Macon County
Mount Zion is in Macon 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).
Mount Zion
Map of Macon County, Illinois, with Mount Zion marked. Around it, the neighboring counties.
Mount Zion
Macon County
Other cities with a page
Mount Zion's own numbers
Typical home value
$201,100
Typical monthly rent
$744
Typical yearly household income
$103,365
Households that own their home
81%
Effective property tax rate
2.1%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Macon County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,091
Price change over 5 years (FHFA)
+44%
Homes in a high flood-risk zone
0.8%
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 Macon County.
A typical home in Mount Zion is worth $201,100: 58% above the county and 24% below Illinois. With the typical household income in Mount Zion ($103,365 a year), a typical home costs 1.9 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.
Mount Zion1.9 years
Macon2.0 years
Illinois3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Macon County
According to FHFA’s house price index, home prices in Macon County rose 54% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Macon County.
Yearly change in FHFA’s price index in Macon County, 2016 to 2025
2016: +0.9% +0.9% 2016
2017: +0.0% +0.0% 2017
2018: −0.2% −0.2% 2018
2019: +3.7% +3.7% 2019
2020: +1.9% +1.9% 2020
2021: +6.8% +6.8% 2021
2022: +11.5% +11.5% 2022
2023: +8.3% +8.3% 2023
2024: +6.4% +6.4% 2024
2025: +5.1% +5.1% 2025
Change in FHFA’s price index in Macon County, Illinois and the United States
Period
County
Illinois
U.S.
Last year (2025)
+5.1%
+5.7%
+2.9%
5 years (2020–2025)
+44%
+47%
+47%
10 years (2015–2025)
+54%
+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
Mount Zion next to Macon 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
Mount Zion$201,100
Macon$127,300
Illinois$263,300
United States$332,700
Typical monthly rent
Mount Zion$744
Macon$847
Illinois$1,274
United States$1,413
Typical yearly household income
Mount Zion$103,365
Macon$62,666
Illinois$83,390
United States$80,734
See the full table
Mount Zion next to Macon County and Illinois
Measure
Mount Zion
Macon County
Illinois
U.S.
Typical home value
$201,100 ▲58% above the county
$127,300
$263,300
$332,700
Typical monthly rent
$744 ▼12% below the county
$847
$1,274
$1,413
Typical yearly household income
$103,365 ▲65% above the county
$62,666
$83,390
$80,734
Households that own their home
81% ▲11 points above the county
70%
67%
65%
Typical yearly property tax
$4,220 ▲57% above the county
$2,696
$5,298
$3,119
Effective property tax rate
2.1% ▼0.02 points below the county
2.12%
2.01%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Macon 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 Mount Zion
For a typical $201,100 home in Mount Zion, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mount Zion's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,862a month
Least cash to close
Down payment
$7,039
Cash to close
$13,072
Rate
7.18%
Mortgage insurance
FHA MIP · $89
Conventional, 5% down$1,825a month
Down payment
$10,055
Cash to close
$16,088
Rate
7.18%
Mortgage insurance
PMI · $96
Conventional, 20% down, no PMI$1,526a month
Down payment
$40,220
Cash to close
$46,253
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,711a month
Down payment
$30,165
Cash to close
$36,198
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Mount Zion
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,862
$7,039
$197,458
7.18%
FHA MIP · $89
$13,072
580
Conventional, 5% down
$1,825
$10,055
$191,045
7.18%
PMI · $96
$16,088
620*
Conventional, 20% down, no PMI
$1,526
$40,220
$160,880
7.18%
None
$46,253
620*
ITIN, 15% down (example)
$1,711
$30,165
$170,935
8.18%
None
$36,198
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 Mount Zion is $744 a month: 12% below the county.
HUD publishes a fair market rent for all of Macon County, by unit size. To pay the 2-bedroom one ($1,091 a month) without spending more than 30% of your income, you would need to earn $20.98 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 Macon County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$851
$16.37
$34,040
1 bedroom
$857
$16.48
$34,280
2 bedrooms
$1,091
$20.98
$43,640
3 bedrooms
$1,407
$27.06
$56,280
4 bedrooms
$1,724
$33.15
$68,960
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 Mount Zion
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mount Zion has 2 ZIP codes with their own.
For 2 bedrooms it runs from $970 in 62549 to $1,180 in 62521.
1 of the 2 is above the fair market rent for Macon County ($1,091).
Fair market rent by ZIP code and size in Mount Zion, fiscal year 2027.
62521
$920
$930
$1,180
$1,520
$1,860
62549
$760
$770
$970
$1,250
$1,540
ZIP code2 bd3 bd
62521 $1,180$1,520
62549 $970$1,250
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Mount Zion 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 is 1 HUD-approved agency with an office in Macon County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Mount Zion or Macon County. The ones below are statewide in Illinois: they work in Mount Zion 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 Mount Zion or Macon 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 Mount Zion and all of Macon 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 Mount Zion?
The typical home value in Mount Zion is $201,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Macon County it is $127,300.
How much does it cost to rent in Mount Zion?
Typical rent in Mount Zion is $744 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Macon County is $1,091.
What is the FHA loan limit in Mount Zion?
Mount Zion uses the FHA limit for all of Macon 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 Mount Zion?
The typical homeowner in Mount Zion pays $4,220 a year, according to the U.S. Census Bureau. That is 2.1% of the home’s value; in Macon County, the rate is 2.12%.
Where can I find free help to buy or rent in Mount Zion?
There is 1 HUD-approved counseling agency with an office in Macon County. They can help you get ready to buy, with your credit, or with rent.
