City · 32,262 residents · St. Clair County, Illinois
O'Fallon, Illinois
In O'Fallon, a typical home is worth $295,700 and typical rent is $1,332 a month. Compared with all of St. Clair County, the typical home value is 64% higher and typical household income is 44% higher.
O'Fallon is in St. Clair 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 St. Clair County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in O'Fallon is worth $295,700,64% more than in St. Clair County as a whole ($180,300).
2
Nearby, in Belleville, the typical home value is $141,300: 52% less than in O'Fallon ($295,700).
3
The typical household income in O'Fallon is $105,982,44% more than in St. Clair County as a whole ($73,854).
4
Nearby, in Belleville, the typical rent is $1,019: 23% less than in O'Fallon ($1,332).
5
The typical rent in O'Fallon is $1,332 a month, 22% more than in St. Clair County as a whole ($1,090).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in O'Fallon
What homes there are in O'Fallon, 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
O'Fallon
St. Clair County
Illinois
United States
Kind of home: O'Fallon and its comparisons
Measure
O'Fallon
St. Clair County
Illinois
United States
Detached house
67%
72%
58%
61%
Attached house
8%
5%
6%
6%
Building of 2 to 4
6%
8%
12%
8%
Apartments (5 or more)
16%
11%
22%
19%
Mobile home
3%
4%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In O'Fallon, 7 in 10 homes are single-family detached houses; in St. Clair County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
O'Fallon
St. Clair County
Illinois
United States
Year built: O'Fallon and its comparisons
Measure
O'Fallon
St. Clair County
Illinois
United States
Before 1960
10%
32%
38%
26%
1960–1979
16%
23%
26%
24%
1980–1999
29%
23%
20%
25%
2000–2009
24%
14%
11%
14%
2010 or later
20%
8%
6%
11%
The typical home in O'Fallon was built in 1997, 22 years after the typical one in St. Clair County.
In O'Fallon, 67% of homes have 3 bedrooms or more, more than in St. Clair County (62%).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K7%
$100K–$200K18%
$200K–$300K26%
$300K–$500K40%
$500K–$750K7%
FHA limit: $541,287
$750K–$1M2%
$1M or moreUnreliable
Value of owner-occupied homes: O'Fallon and its comparisons
Measure
O'Fallon
Under $100K
7%
$100K–$200K
18%
$200K–$300K
26%
$300K–$500K
40%
$500K–$750K
7%
$750K–$1M
2%
$1M or more
Unreliable estimate
About 92% of owner-occupied homes in O'Fallon are worth less than the FHA loan limit for St. Clair County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99925%
$1,000–$1,49930%
$1,500–$1,99925%
$2,000–$2,4998%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: O'Fallon and its comparisons
Measure
O'Fallon
Under $500
Unreliable estimate
$500–$999
25%
$1,000–$1,499
30%
$1,500–$1,999
25%
$2,000–$2,499
8%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,105 a month
St. Clair County: $1,645 a month
Without a mortgage
$803 a month
St. Clair County: $645 a month
Owners with a mortgage
75%
St. Clair County: 59%
In O'Fallon, 75% of owners have a mortgage, and their typical cost is $2,105 a month, against $1,645 in St. Clair County. Without one it drops to $803.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
O'Fallon+42%
St. Clair County+41%
Illinois+35%
United States+53%
Typical rent
O'Fallon+25%
St. Clair County+27%
Illinois+26%
United States+33%
Typical household income
O'Fallon+17%
St. Clair County+34%
Illinois+27%
United States+29%
Change since 2015–2019: O'Fallon and its comparisons
Measure
O'Fallon
St. Clair County
Illinois
United States
Typical home value
+42%
+41%
+35%
+53%
Typical rent
+25%
+27%
+26%
+33%
Typical household income
+17%
+34%
+27%
+29%
Much as in St. Clair County, the typical home value in O'Fallon rose 42% since 2015–2019.
Rents in O'Fallon rose at about the same pace as in St. Clair County: 25% since 2015–2019, against 27%.
The typical household income in O'Fallon rose 17%: less than home values (+42%) and rent (+25%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: O'Fallon and its comparisons
Measure
O'Fallon
St. Clair County
Illinois
United States
Rental vacancy
Unreliable estimate
4.7%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
1.1%
1.0%
0.9%
More than one person per room
Unreliable estimate
1.8%
2.5%
3.4%
People per household
2.52
2.47
2.46
2.53
Drive alone
71%
75%
66%
69%
Carpool
6%
8%
8%
9%
Public transit
Unreliable estimate
2%
6%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
20%
12%
16%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
By size, households in O'Fallon look like those in St. Clair County: 2.52 people on average.
Many people here do not commute at all: 20% work from home; in St. Clair County, 12%.
Do the math
What would you pay each month for a home in O'Fallon?
A typical home is tight for the typical income
We start with a typical home in O'Fallon, worth $295,700, 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 O'Fallon, which is $105,982 a year. For that payment to be 28% of income, a household would need to earn about $115,985 a year.
The calculator's FHA and conventional loan limits are those of all of St. Clair 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 O'Fallon. 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 $10,350 (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
$2,706
at 7.18% · 30 years
Loan amount
$290,344
Total interest
$417,736
Paid off in
November 2056
Includes $4,994 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,473 a month
Tight
$2,473 to $3,179 a month
Your payment · 31%
Hard
more than $3,179 a month
Compared with the typical household income in O'Fallon ($105,982 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,967
Property tax
$485
Home insurance
$123
FHA mortgage insurance (MIP)
$131
You need at least $10,350 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 $2,706; principal and interest $1,967.
The city and its county
O'Fallon and St. Clair County
O'Fallon is in St. Clair 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).
O'Fallon
Map of St. Clair County, Illinois, with O'Fallon marked. Around it, the neighboring counties.
O'Fallon
St. Clair County
Other cities with a page
O'Fallon's own numbers
Typical home value
$295,700
Typical monthly rent
$1,332
Typical yearly household income
$105,982
Households that own their home
70%
Effective property tax rate
1.97%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of St. Clair County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,349
Price change over 5 years (FHFA)
+52%
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 St. Clair County.
A typical home in O'Fallon is worth $295,700: 64% above the county and 12% above Illinois. With the typical household income in O'Fallon ($105,982 a year), a typical home costs 2.8 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.
O'Fallon2.8 years
St. Clair2.4 years
Illinois3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in St. Clair County
According to FHFA’s house price index, home prices in St. Clair County rose 69% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of St. Clair County.
Yearly change in FHFA’s price index in St. Clair County, 2016 to 2025
2016: +0.9% +0.9% 2016
2017: +3.9% +3.9% 2017
2018: +1.3% +1.3% 2018
2019: +3.1% +3.1% 2019
2020: +2.1% +2.1% 2020
2021: +9.0% +9.0% 2021
2022: +13.6% +13.6% 2022
2023: +9.4% +9.4% 2023
2024: +6.2% +6.2% 2024
2025: +5.3% +5.3% 2025
Change in FHFA’s price index in St. Clair County, Illinois and the United States
Period
County
Illinois
U.S.
Last year (2025)
+5.3%
+5.7%
+2.9%
5 years (2020–2025)
+52%
+47%
+47%
10 years (2015–2025)
+69%
+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
O'Fallon next to St. Clair 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
O'Fallon$295,700
St. Clair$180,300
Illinois$263,300
United States$332,700
Typical monthly rent
O'Fallon$1,332
St. Clair$1,090
Illinois$1,274
United States$1,413
Typical yearly household income
O'Fallon$105,982
St. Clair$73,854
Illinois$83,390
United States$80,734
See the full table
O'Fallon next to St. Clair County and Illinois
Measure
O'Fallon
St. Clair County
Illinois
U.S.
Typical home value
$295,700 ▲64% above the county
$180,300
$263,300
$332,700
Typical monthly rent
$1,332 ▲22% above the county
$1,090
$1,274
$1,413
Typical yearly household income
$105,982 ▲44% above the county
$73,854
$83,390
$80,734
Households that own their home
70% ▲2 points above the county
68%
67%
65%
Typical yearly property tax
$5,827 ▲59% above the county
$3,665
$5,298
$3,119
Effective property tax rate
1.97% ▼0.06 points below the county
2.03%
2.01%
0.94%
Renters with high rent for their income
47% ▼1 points below the county
48%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below St. Clair 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 O'Fallon
For a typical $295,700 home in O'Fallon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, O'Fallon's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,706a month
Least cash to close
Down payment
$10,350
Cash to close
$19,221
Rate
7.18%
Mortgage insurance
FHA MIP · $131
Conventional, 5% down$2,652a month
Down payment
$14,785
Cash to close
$23,656
Rate
7.18%
Mortgage insurance
PMI · $140
Conventional, 20% down, no PMI$2,211a month
Down payment
$59,140
Cash to close
$68,011
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,485a month
Down payment
$44,355
Cash to close
$53,226
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in O'Fallon
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,706
$10,350
$290,344
7.18%
FHA MIP · $131
$19,221
580
Conventional, 5% down
$2,652
$14,785
$280,915
7.18%
PMI · $140
$23,656
620*
Conventional, 20% down, no PMI
$2,211
$59,140
$236,560
7.18%
None
$68,011
620*
ITIN, 15% down (example)
$2,485
$44,355
$251,345
8.18%
None
$53,226
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 O'Fallon is $1,332 a month: 22% above the county. In O'Fallon, 47% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of St. Clair County, by unit size. To pay the 2-bedroom one ($1,349 a month) without spending more than 30% of your income, you would need to earn $25.94 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 St. Clair County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,064
$20.46
$42,560
1 bedroom
$1,104
$21.23
$44,160
2 bedrooms
$1,349
$25.94
$53,960
3 bedrooms
$1,731
$33.29
$69,240
4 bedrooms
$1,997
$38.40
$79,880
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 O'Fallon
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). O'Fallon is in ZIP code 62269.
For 2 bedrooms it is $1,570: $221 more than the fair market rent for St. Clair County ($1,349).
Fair market rent by ZIP code and size in O'Fallon, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
62269
$1,240
$1,290
$1,570
$2,010
$2,320
ZIP code2 bd3 bd
62269 $1,570$2,010
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for O'Fallon 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 St. Clair County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for O'Fallon or St. Clair County. The ones below are statewide in Illinois: they work in O'Fallon 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 O'Fallon or St. Clair 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 O'Fallon and all of St. Clair 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 O'Fallon?
The typical home value in O'Fallon is $295,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Clair County it is $180,300.
How much does it cost to rent in O'Fallon?
Typical rent in O'Fallon is $1,332 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Clair County is $1,349.
What is the FHA loan limit in O'Fallon?
O'Fallon uses the FHA limit for all of St. Clair 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 O'Fallon?
The typical homeowner in O'Fallon pays $5,827 a year, according to the U.S. Census Bureau. That is 1.97% of the home’s value; in St. Clair County, the rate is 2.03%.
Where can I find free help to buy or rent in O'Fallon?
There is 1 HUD-approved counseling agency with an office in St. Clair County. They can help you get ready to buy, with your credit, or with rent.
