In Murphysboro, a typical home is worth $85,900 and typical rent is $697 a month. Compared with all of Jackson County, the typical home value is 37% lower and typical rent is 11% lower.
Typical home value from Zillow, September 2021 to September 2026: from $86,907 to $120,595.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Murphysboro is in Jackson 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 Jackson County. See the county
What this place has that others do not, from public data, most unusual first.
1
Murphysboro has the 6th lowest typical rent of the 331 cities in Illinois with more than 5,000 people ($697).
2
Murphysboro has the 7th lowest typical household income of the 337 cities in Illinois with more than 5,000 people ($44,154).
3
Murphysboro has the 9th lowest homeownership rate of the 337 cities in Illinois with more than 5,000 people (50%).
4
Murphysboro has the 13th lowest typical home value of the 336 cities in Illinois with more than 5,000 people ($85,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Murphysboro
What homes there are in Murphysboro, 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
Murphysboro
Jackson County
Illinois
United States
Kind of home: Murphysboro and its comparisons
Measure
Murphysboro
Jackson County
Illinois
United States
Detached house
66%
52%
58%
61%
Attached house
Unreliable estimate
3%
6%
6%
Building of 2 to 4
17%
13%
12%
8%
Apartments (5 or more)
Unreliable estimate
21%
22%
19%
Mobile home
Unreliable estimate
11%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Murphysboro, 7 in 10 homes are single-family detached houses; in Jackson County, 5.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Murphysboro
Jackson County
Illinois
United States
Year built: Murphysboro and its comparisons
Measure
Murphysboro
Jackson County
Illinois
United States
Before 1960
46%
24%
38%
26%
1960–1979
40%
34%
26%
24%
1980–1999
12%
24%
20%
25%
2000–2009
Unreliable estimate
11%
11%
14%
2010 or later
Unreliable estimate
7%
6%
11%
In Murphysboro, half of the homes were built before 1962; in Jackson County, before 1976.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K60%
$100K–$200K28%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Murphysboro and its comparisons
Measure
Murphysboro
Under $100K
60%
$100K–$200K
28%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99962%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Murphysboro and its comparisons
Measure
Murphysboro
Under $500
Unreliable estimate
$500–$999
62%
$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
$998 a month
Jackson County: $1,367 a month
Without a mortgage
$540 a month
Jackson County: $565 a month
Owners with a mortgage
54%
Jackson County: 46%
The typical cost for an owner with a mortgage in Murphysboro is $998 a month, less than in Jackson County ($1,367); without one, $540.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Murphysboro+22%
Jackson County+26%
Illinois+35%
United States+53%
Typical rent
MurphysboroNo clear change
Jackson County+13%
Illinois+26%
United States+33%
Typical household income
MurphysboroNo clear change
Jackson County+31%
Illinois+27%
United States+29%
Change since 2015–2019: Murphysboro and its comparisons
Measure
Murphysboro
Jackson County
Illinois
United States
Typical home value
+22%
+26%
+35%
+53%
Typical rent
No clear change
+13%
+26%
+33%
Typical household income
No clear change
+31%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Murphysboro rose 22%; in Jackson County, it rose 26%.
Rent in Murphysboro 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: Murphysboro and its comparisons
Measure
Murphysboro
Jackson County
Illinois
United States
Rental vacancy
Unreliable estimate
8.0%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.0%
0.9%
More than one person per room
Unreliable estimate
2.2%
2.5%
3.4%
People per household
1.91
2.13
2.46
2.53
Drive alone
78%
73%
66%
69%
Carpool
Unreliable estimate
9%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
6%
3%
Walk or bike
Unreliable estimate
6%
3%
3%
Work from home
13%
11%
16%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Households in Murphysboro are smaller: 1.91 people on average; in Jackson County, 2.13.
In Murphysboro, 78% of workers drive alone to work; in Jackson County, 73%.
Do the math
What would you pay each month for a home in Murphysboro?
A typical home is within reach of the typical income
We start with a typical home in Murphysboro, worth $85,900, 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 Murphysboro, which is $44,154 a year.
The calculator's FHA and conventional loan limits are those of all of Jackson 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 Murphysboro. 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 $3,007 (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
$784
at 7.18% · 30 years
Loan amount
$84,344
Total interest
$121,351
Paid off in
November 2056
Includes $1,451 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,030 a month
Your payment · 21%
Tight
$1,030 to $1,325 a month
Hard
more than $1,325 a month
Compared with the typical household income in Murphysboro ($44,154 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$571
Property tax
$139
Home insurance
$36
FHA mortgage insurance (MIP)
$38
You need at least $3,007 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 $784; principal and interest $571.
The city and its county
Murphysboro and Jackson County
Murphysboro is in Jackson 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).
Murphysboro
Map of Jackson County, Illinois, with Murphysboro marked. Around it, the neighboring counties.
Murphysboro
Jackson County
Other cities with a page
Murphysboro's own numbers
Typical home value
$85,900
Typical monthly rent
$697
Typical yearly household income
$44,154
Households that own their home
50%
Effective property tax rate
1.94%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Jackson 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)
+41%
Homes in a high flood-risk zone
4.3%
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 Jackson County.
A typical home in Murphysboro is worth $85,900: 37% below the county and 67% below Illinois. With the typical household income in Murphysboro ($44,154 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.
Murphysboro1.9 years
Jackson2.8 years
Illinois3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Jackson County
According to FHFA’s house price index, home prices in Jackson County rose 44% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Jackson County.
Yearly change in FHFA’s price index in Jackson County, 2016 to 2025
2016: +2.0% +2.0% 2016
2017: −3.5% −3.5% 2017
2018: +4.8% +4.8% 2018
2019: −1.9% −1.9% 2019
2020: +0.4% +0.4% 2020
2021: +8.5% +8.5% 2021
2022: +8.6% +8.6% 2022
2023: +6.1% +6.1% 2023
2024: +3.9% +3.9% 2024
2025: +8.8% +8.8% 2025
Change in FHFA’s price index in Jackson County, Illinois and the United States
Period
County
Illinois
U.S.
Last year (2025)
+8.8%
+5.7%
+2.9%
5 years (2020–2025)
+41%
+47%
+47%
10 years (2015–2025)
+44%
+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
Murphysboro next to Jackson 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
Murphysboro$85,900
Jackson$137,300
Illinois$263,300
United States$332,700
Typical monthly rent
Murphysboro$697
Jackson$782
Illinois$1,274
United States$1,413
Typical yearly household income
Murphysboro$44,154
Jackson$48,763
Illinois$83,390
United States$80,734
See the full table
Murphysboro next to Jackson County and Illinois
Measure
Murphysboro
Jackson County
Illinois
U.S.
Typical home value
$85,900 ▼37% below the county
$137,300
$263,300
$332,700
Typical monthly rent
$697 ▼11% below the county
$782
$1,274
$1,413
Typical yearly household income
$44,154 ▼9% below the county
$48,763
$83,390
$80,734
Households that own their home
50%
50%
67%
65%
Typical yearly property tax
$1,669 ▼34% below the county
$2,526
$5,298
$3,119
Effective property tax rate
1.94% ▲0.1 points above the county
1.84%
2.01%
0.94%
Renters with high rent for their income
48% ▼2 points below the county
50%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Jackson 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 Murphysboro
For a typical $85,900 home in Murphysboro, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Murphysboro's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$784a month
Least cash to close
Down payment
$3,007
Cash to close
$5,584
Rate
7.18%
Mortgage insurance
FHA MIP · $38
Conventional, 5% down$768a month
Down payment
$4,295
Cash to close
$6,872
Rate
7.18%
Mortgage insurance
PMI · $41
Conventional, 20% down, no PMI$640a month
Down payment
$17,180
Cash to close
$19,757
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$720a month
Down payment
$12,885
Cash to close
$15,462
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Murphysboro
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$784
$3,007
$84,344
7.18%
FHA MIP · $38
$5,584
580
Conventional, 5% down
$768
$4,295
$81,605
7.18%
PMI · $41
$6,872
620*
Conventional, 20% down, no PMI
$640
$17,180
$68,720
7.18%
None
$19,757
620*
ITIN, 15% down (example)
$720
$12,885
$73,015
8.18%
None
$15,462
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 Murphysboro is $697 a month: 11% below the county. In Murphysboro, 48% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Jackson 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Jackson County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$648
$12.46
$25,920
1 bedroom
$761
$14.63
$30,440
2 bedrooms
$930
$17.88
$37,200
3 bedrooms
$1,212
$23.31
$48,480
4 bedrooms
$1,254
$24.12
$50,160
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 Murphysboro
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Murphysboro is in ZIP code 62966.
For 2 bedrooms it is $930: the same as the fair market rent for Jackson County.
Fair market rent by ZIP code and size in Murphysboro, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
62966
$650
$760
$930
$1,210
$1,250
ZIP code2 bd3 bd
62966 $930$1,210
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Murphysboro 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 2 buildings with rents for lower incomes in Murphysboro. These are the largest.
Murphysboro300 N 7th St, Murphysboro 62966358 homes, 338 low-income · Run by Housing Authority of the County of Jackson, IL. · Average payment: $279 a month · Average wait: 11 months · Homes at several sites(618) 684-3183
Big Muddy River5 N Shawnee Dr, Murphysboro 6296660 homes, 50 low-income · Studio: 15 · 1 bd: 43 · 2 bd: 2 · In service since 1998 · For older adults
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 Jackson 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 Murphysboro or Jackson County. The ones below are statewide in Illinois: they work in Murphysboro 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 Murphysboro or Jackson 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 Murphysboro and all of Jackson 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 Murphysboro?
The typical home value in Murphysboro is $85,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jackson County it is $137,300.
How much does it cost to rent in Murphysboro?
Typical rent in Murphysboro is $697 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jackson County is $930.
What is the FHA loan limit in Murphysboro?
Murphysboro uses the FHA limit for all of Jackson 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 Murphysboro?
The typical homeowner in Murphysboro pays $1,669 a year, according to the U.S. Census Bureau. That is 1.94% of the home’s value; in Jackson County, the rate is 1.84%.
Where can I find free help to buy or rent in Murphysboro?
We found no HUD-approved counseling agencies with an office in Jackson County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
