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City · 5,018 residents · Perry County, Illinois

Pinckneyville , Illinois

In Pinckneyville, a typical home is worth $133,500 and typical rent is $416 a month. Compared with all of Perry County, typical rent is 43% lower and the typical home value is 19% higher.

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  • Typical home value

    $133,500

    19% above the county

    49% below Illinois

    • Pinckneyville
    • Perry
    • Illinois

  • Typical rent

    $416a month

    43% below the county

    67% below Illinois

    • Pinckneyville
    • Perry
    • Illinois

  • Typical household income

    $69,583a year

    12% above the county

    17% below Illinois

    • Pinckneyville
    • Perry
    • Illinois

  • Households that own their home

    85%

    4 points above the county

    17 points above Illinois

    • Pinckneyville
    • Perry
    • Illinois

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

Market now, with Zillow data

Zillow data
Typical home value
$135,165
0.6% less than 12 months ago

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

Pinckneyville is in Perry 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 Perry County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Pinckneyville apart

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

  1. Pinckneyville has the lowest typical rent of the 331 cities in Illinois with more than 5,000 people: $416.

  2. Nearby, in West Frankfort, the typical home value is $81,200: 39% less than in Pinckneyville ($133,500).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Pinckneyville fell 0.6%; in Illinois, it rose 5.3%.

  4. Pinckneyville has the 15th largest share of rent-burdened renters of the 291 cities in Illinois with more than 5,000 people (64%).

  5. The typical home in Pinckneyville is worth $133,500, 19% more than in Perry County as a whole ($112,600).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Pinckneyville

What homes there are in Pinckneyville, 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 houses are the majority in Pinckneyville (73%), but less so than in Perry County (76%).

Year built

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

With a mortgage

$975 a month

Perry County: $1,124 a month

Without a mortgage

$616 a month

Perry County: $521 a month

Owners with a mortgage

59%

Perry County: 45%

Owning costs less in Pinckneyville: with a mortgage, the typical cost is $975 a month; in Perry County, $1,124. Without one, $616.

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

Since 2015–2019, homes in Pinckneyville gained value faster than in Perry County: 66% against 30%.

The typical rent in Pinckneyville 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

MeasurePinckneyvillePerry CountyIllinoisUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.0%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 1.972.302.462.53
Drive alone 83%86%66%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimateUnreliable estimate6%3%
Walk or bike Unreliable estimate3%3%3%
Work from home Unreliable estimate5%16%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Pinckneyville are smaller: 1.97 people on average; in Perry County, 2.30.

To get to work, 83% of workers in Pinckneyville drive alone; in Perry County, 86%.

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 Pinckneyville?

A typical home is within reach of the typical income

We start with a typical home in Pinckneyville, worth $133,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 20% of the typical household income in Pinckneyville, which is $69,583 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Pinckneyville. 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 $4,673 (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

$1,175

at 7.18% · 30 years

Loan amount
$131,081
Total interest
$188,595
Paid off in
November 2056

Includes $2,254 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,624 a month

    Your payment · 20%

  • Tight

    $1,624 to $2,087 a month

  • Hard

    more than $2,087 a month

Compared with the typical household income in Pinckneyville ($69,583 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,175
Principal & interest$888
Property tax$172
Home insurance$56
FHA mortgage insurance (MIP)$59

You need at least $4,673 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

Pinckneyville and Perry County

Pinckneyville is in Perry 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).

Pinckneyville's own numbers

Typical home value
$133,500
Typical monthly rent
$416
Typical yearly household income
$69,583
Households that own their home
85%
Effective property tax rate
1.55%

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

Numbers for all of Perry 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)
+62%
Homes in a high flood-risk zone
2%

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 Perry County.

Everything about Perry County

Buying

Buying a home in Pinckneyville

A typical home in Pinckneyville is worth $133,500: 19% above the county and 49% below Illinois. With the typical household income in Pinckneyville ($69,583 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.

  • Pinckneyville 1.9 years
  • Perry 1.8 years
  • Illinois 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Perry County

According to FHFA’s house price index, home prices in Perry County rose 73% in the 10 years through 2025.

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

Period County Illinois U.S.
Last year (2025) +15.9% +5.7% +2.9%
5 years (2020–2025) +62% +47% +47%
10 years (2015–2025) +73% +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

Pinckneyville next to Perry 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
  • Pinckneyville $133,500
  • Perry $112,600
  • Illinois $263,300
  • United States $332,700
Typical monthly rent
  • Pinckneyville $416
  • Perry $728
  • Illinois $1,274
  • United States $1,413
Typical yearly household income
  • Pinckneyville $69,583
  • Perry $62,118
  • Illinois $83,390
  • United States $80,734
See the full table
Pinckneyville next to Perry County and Illinois
Measure Pinckneyville Perry County Illinois U.S.
Typical home value $133,500 $112,600 $263,300 $332,700
Typical monthly rent $416 $728 $1,274 $1,413
Typical yearly household income $69,583 $62,118 $83,390 $80,734
Households that own their home 85% 81% 67% 65%
Typical yearly property tax $2,070 $1,807 $5,298 $3,119
Effective property tax rate 1.55% 1.6% 2.01% 0.94%
Renters with high rent for their income 64% 49% 48% 51%

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

For a typical $133,500 home in Pinckneyville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pinckneyville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,175a month

    Least cash to close
    Down payment
    $4,673
    Cash to close
    $8,678
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $59

  • Conventional, 5% down $1,151a month

    Down payment
    $6,675
    Cash to close
    $10,680
    Rate
    7.18%
    Mortgage insurance
    PMI · $63

  • Conventional, 20% down, no PMI $952a month

    Down payment
    $26,700
    Cash to close
    $30,705
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,075a month

    Down payment
    $20,025
    Cash to close
    $24,030
    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 Pinckneyville and for Perry County.

Property tax

Effective rate in Pinckneyville

1.55%of the home’s value each year

$2,070 a year for the typical owner in Pinckneyville.

  • Pinckneyville 1.55%
  • Perry 1.6%
  • Illinois 2.01%

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

Exemptions and deadlines in Illinois

Flood risk in Perry County

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

Homes in the high-risk zone
2%
148
Of those, with NFIP insurance
6.1%
County Illinois U.S.
Homes in the high-risk zone 2% 1.5% 3.5%
Of those, with NFIP insurance 6.1% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pinckneyville

Typical rent in Pinckneyville is $416 a month: 43% below the county. In Pinckneyville, 64% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Perry 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 Perry 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 $711 $13.67 $28,440
2 bedrooms $930 $17.88 $37,200
3 bedrooms $1,108 $21.31 $44,320
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 Pinckneyville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pinckneyville is in ZIP code 62274.

For 2 bedrooms it is $930: the same as the fair market rent for Perry County.

  • 62274 $930$1,110

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

HUD lists 3 buildings with rents for lower incomes in Pinckneyville. These are the largest.

  • Diamond Terrace/Dean Bartle 303 S Perry St, Pinckneyville 62274 97 homes, 87 low-income · Run by Perry County Housing Authority · Average payment: $284 a month · Average wait: 5 months (618) 542-5409
  • Pinckneyville Gardens 102 E Randolph St, Pinckneyville 62274 45 homes, 44 low-income · For older adults (618) 542-5400
  • Manors at Mason Woods 205 Illinois St, Pinckneyville 62274 30 low-income homes · Studio: 24 · 1 bd: 6 · In service since 2004

See all 7 buildings in Perry County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Pinckneyville

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

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Pinckneyville

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

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

  • Urban League of Metropolitan ST. Louis - ST. Clair County Operations

    10220 Lincoln Trail, Fairview Heights · 51 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    618-274-1150-126

  • C.e.f.s. Clay County Outreach Office

    835 West North, Flora · 60 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (618) 662-4024

  • C.e.f.s. Fayette County Outreach Office

    517 W. Gallatin Street, Vandalia · 62 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (618) 283-2631

All counseling agencies in Illinois

Help in Spanish near Pinckneyville

None 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 Pinckneyville

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

All housing agencies in Illinois Source: HUD

Cities

Other cities in Perry County

These cities are also in Perry County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Perry County Housing in Illinois

Nearby cities

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

Neighboring counties

If Perry 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 Pinckneyville.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Pinckneyville

Short answers with the numbers for Pinckneyville and all of Perry 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 Pinckneyville?

The typical home value in Pinckneyville is $133,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Perry County it is $112,600.

How much does it cost to rent in Pinckneyville?

Typical rent in Pinckneyville is $416 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Perry County is $930.

What is the FHA loan limit in Pinckneyville?

Pinckneyville uses the FHA limit for all of Perry 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 Pinckneyville?

The typical homeowner in Pinckneyville pays $2,070 a year, according to the U.S. Census Bureau. That is 1.55% of the home’s value; in Perry County, the rate is 1.6%.

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

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