In Plainfield, a typical home is worth $431,400 and typical rent is $2,119 a month. Compared with all of Will County, typical rent is 45% higher, the typical home value is 35% higher, and the share of households that own their home is 5 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $332,897 to $428,671.
Typical rent
$3,027a month
▲ 2.9% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $2,230 to $3,027.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Plainfield is in Will 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 Will County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Crest Hill, the typical home value is $232,900: 46% less than in Plainfield ($431,400).
2
The typical rent in Plainfield is $2,119 a month, 45% more than in Will County as a whole ($1,462).
3
Nearby, in Shorewood, the typical rent is $1,479: 30% less than in Plainfield ($2,119).
4
The typical home in Plainfield is worth $431,400,35% more than in Will County as a whole ($319,600).
5
The typical household income in Plainfield is $144,000,31% more than in Will County as a whole ($109,984).
6
According to Zillow, in the 12 months to September 2026 the typical home value in Plainfield rose 1.8%; in Illinois, it rose 5.3%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Plainfield
What homes there are in Plainfield, 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
Plainfield
Will County
Illinois
United States
Kind of home: Plainfield and its comparisons
Measure
Plainfield
Will County
Illinois
United States
Detached house
80%
74%
58%
61%
Attached house
12%
11%
6%
6%
Building of 2 to 4
2%
5%
12%
8%
Apartments (5 or more)
6%
8%
22%
19%
Mobile home
Unreliable estimate
1%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Plainfield: 80% of homes, more than in Will County (74%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Plainfield
Will County
Illinois
United States
Year built: Plainfield and its comparisons
Measure
Plainfield
Will County
Illinois
United States
Before 1960
5%
15%
38%
26%
1960–1979
5%
22%
26%
24%
1980–1999
24%
30%
20%
25%
2000–2009
51%
26%
11%
14%
2010 or later
15%
8%
6%
11%
Here half of the homes date from 2003 or later; in Will County, from 1992 or later.
In Plainfield, 84% of homes have 3 bedrooms or more, more than in Will County (75%).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K3%
$100K–$200KUnreliable
$200K–$300K13%
$300K–$500K56%
$500K–$750K24%
$750K–$1M3%
$1M or moreUnreliable
Value of owner-occupied homes: Plainfield and its comparisons
Measure
Plainfield
Under $100K
3%
$100K–$200K
Unreliable estimate
$200K–$300K
13%
$300K–$500K
56%
$500K–$750K
24%
$750K–$1M
3%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49915%
$1,500–$1,99917%
$2,000–$2,49926%
$2,500–$2,99913%
$3,000 or moreUnreliable
Monthly rent with utilities: Plainfield and its comparisons
Measure
Plainfield
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
15%
$1,500–$1,999
17%
$2,000–$2,499
26%
$2,500–$2,999
13%
$3,000 or more
Unreliable estimate
With a mortgage
$2,768 a month
Will County: $2,255 a month
Without a mortgage
$1,173 a month
Will County: $971 a month
Owners with a mortgage
76%
Will County: 69%
Owning costs more in Plainfield: with a mortgage, the typical cost is $2,768 a month; in Will County, $2,255. Without one, $1,173.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Plainfield+35%
Will County+38%
Illinois+35%
United States+53%
Typical rent
Plainfield+18%
Will County+24%
Illinois+26%
United States+33%
Typical household income
Plainfield+10%
Will County+27%
Illinois+27%
United States+29%
Change since 2015–2019: Plainfield and its comparisons
Measure
Plainfield
Will County
Illinois
United States
Typical home value
+35%
+38%
+35%
+53%
Typical rent
+18%
+24%
+26%
+33%
Typical household income
+10%
+27%
+27%
+29%
The typical home value in Plainfield rose 35% since 2015–2019, about the same as in Will County (38%).
Since 2015–2019, the typical rent in Plainfield rose 18%, less than in Will County (24%).
Here income did not keep up with housing: it rose 10%, while home values changed +35% and rent +18%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Plainfield and its comparisons
Measure
Plainfield
Will County
Illinois
United States
Rental vacancy
Unreliable estimate
3.7%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
0.5%
1.0%
0.9%
More than one person per room
3.6%
2.1%
2.5%
3.4%
People per household
3.17
2.84
2.46
2.53
Drive alone
69%
73%
66%
69%
Carpool
4%
8%
8%
9%
Public transit
2%
2%
6%
3%
Walk or bike
Unreliable estimate
1%
3%
3%
Work from home
23%
15%
16%
15%
Other means
1%
1%
1%
2%
Typical commute
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Plainfield, 3.6% of households live with more than one person per room, against 2.1% in Will County.
More people live in each home here: 3.17 on average, against 2.84 in Will County.
Many people here do not commute at all: 23% work from home; in Will County, 15%.
Do the math
What would you pay each month for a home in Plainfield?
A typical home is tight for the typical income
We start with a typical home in Plainfield, worth $431,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Plainfield, which is $144,000 a year. For that payment to be 28% of income, a household would need to earn about $172,756 a year.
The calculator's FHA and conventional loan limits are those of all of Will 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 Plainfield. 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 $15,099 (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
$4,031
at 7.18% · 30 years
Loan amount
$423,586
Total interest
$609,441
Paid off in
November 2056
Includes $7,285 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,360 a month
Tight
$3,360 to $4,320 a month
Your payment · 34%
Hard
more than $4,320 a month
Compared with the typical household income in Plainfield ($144,000 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,870
Property tax
$791
Home insurance
$180
FHA mortgage insurance (MIP)
$191
You need at least $15,099 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 $4,031; principal and interest $2,870.
The city and its county
Plainfield and Will County
Plainfield is in Will 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).
Plainfield
Map of Will County, Illinois, with Plainfield marked. Around it, the neighboring counties.
Plainfield
Will County
Other cities with a page
Plainfield's own numbers
Typical home value
$431,400
Typical monthly rent
$2,119
Typical yearly household income
$144,000
Households that own their home
88%
Effective property tax rate
2.2%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Will County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,011
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
1.5%
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 Will County.
A typical home in Plainfield is worth $431,400: 35% above the county and 64% above Illinois. With the typical household income in Plainfield ($144,000 a year), a typical home costs 3.0 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.
Plainfield3.0 years
Will2.9 years
Illinois3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Will County
According to FHFA’s house price index, home prices in Will County rose 79% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Will County.
Yearly change in FHFA’s price index in Will County, 2016 to 2025
2016: +3.5% +3.5% 2016
2017: +4.0% +4.0% 2017
2018: +4.1% +4.1% 2018
2019: +3.1% +3.1% 2019
2020: +1.3% +1.3% 2020
2021: +9.9% +9.9% 2021
2022: +14.1% +14.1% 2022
2023: +8.8% +8.8% 2023
2024: +7.0% +7.0% 2024
2025: +4.6% +4.6% 2025
Change in FHFA’s price index in Will County, Illinois and the United States
Period
County
Illinois
U.S.
Last year (2025)
+4.6%
+5.7%
+2.9%
5 years (2020–2025)
+53%
+47%
+47%
10 years (2015–2025)
+79%
+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
Plainfield next to Will 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
Plainfield$431,400
Will$319,600
Illinois$263,300
United States$332,700
Typical monthly rent
Plainfield$2,119
Will$1,462
Illinois$1,274
United States$1,413
Typical yearly household income
Plainfield$144,000
Will$109,984
Illinois$83,390
United States$80,734
See the full table
Plainfield next to Will County and Illinois
Measure
Plainfield
Will County
Illinois
U.S.
Typical home value
$431,400 ▲35% above the county
$319,600
$263,300
$332,700
Typical monthly rent
$2,119 ▲45% above the county
$1,462
$1,274
$1,413
Typical yearly household income
$144,000 ▲31% above the county
$109,984
$83,390
$80,734
Households that own their home
88% ▲5 points above the county
83%
67%
65%
Typical yearly property tax
$9,490 ▲32% above the county
$7,173
$5,298
$3,119
Effective property tax rate
2.2% ▼0.04 points below the county
2.24%
2.01%
0.94%
Renters with high rent for their income
44% ▼8 points below 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 Will 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 Plainfield
For a typical $431,400 home in Plainfield, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Plainfield's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,031a month
Least cash to close
Down payment
$15,099
Cash to close
$28,041
Rate
7.18%
Mortgage insurance
FHA MIP · $191
Conventional, 5% down$3,952a month
Down payment
$21,570
Cash to close
$34,512
Rate
7.18%
Mortgage insurance
PMI · $205
Conventional, 20% down, no PMI$3,309a month
Down payment
$86,280
Cash to close
$99,222
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,707a month
Down payment
$64,710
Cash to close
$77,652
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Plainfield
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,031
$15,099
$423,586
7.18%
FHA MIP · $191
$28,041
580
Conventional, 5% down
$3,952
$21,570
$409,830
7.18%
PMI · $205
$34,512
620*
Conventional, 20% down, no PMI
$3,309
$86,280
$345,120
7.18%
None
$99,222
620*
ITIN, 15% down (example)
$3,707
$64,710
$366,690
8.18%
None
$77,652
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 Plainfield is $2,119 a month: 45% above the county. In Plainfield, 44% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Will County, by unit size. To pay the 2-bedroom one ($2,011 a month) without spending more than 30% of your income, you would need to earn $38.67 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 Will County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,678
$32.27
$67,120
1 bedroom
$1,780
$34.23
$71,200
2 bedrooms
$2,011
$38.67
$80,440
3 bedrooms
$2,586
$49.73
$103,440
4 bedrooms
$2,954
$56.81
$118,160
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 Plainfield
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Plainfield has 3 ZIP codes with their own.
For 2 bedrooms it runs from $2,700 in 60544 to $3,030 in 60585.
3 of the 3 are above the fair market rent for Will County ($2,011).
2-bedroom fair market rent in each of the 3 ZIP codes of Plainfield, beside the one for Will County. For 2 bedrooms it runs from $2,700 in 60544 to $3,030 in 60585. 3 of the 3 are above the fair market rent for Will County ($2,011).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $2,011
Lowest: $2,700 (60544)Highest: $3,030 (60585)
Fair market rent by ZIP code and size in Plainfield, fiscal year 2027.
60544
$2,250
$2,390
$2,700
$3,470
$3,960
60585
$2,500
$2,630
$3,030
$3,900
$4,410
60586
$2,430
$2,570
$2,950
$3,800
$4,300
ZIP code2 bd3 bd
60544 $2,700$3,470
60585 $3,030$3,900
60586 $2,950$3,800
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Plainfield 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 Will County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Plainfield or Will County. The ones below are statewide in Illinois: they work in Plainfield 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 Plainfield or Will 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 Plainfield and all of Will 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 Plainfield?
The typical home value in Plainfield is $431,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Will County it is $319,600.
How much does it cost to rent in Plainfield?
Typical rent in Plainfield is $2,119 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Will County is $2,011.
What is the FHA loan limit in Plainfield?
Plainfield uses the FHA limit for all of Will 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 Plainfield?
The typical homeowner in Plainfield pays $9,490 a year, according to the U.S. Census Bureau. That is 2.2% of the home’s value; in Will County, the rate is 2.24%.
Where can I find free help to buy or rent in Plainfield?
There is 1 HUD-approved counseling agency with an office in Will County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
