In Pontoon Beach, a typical home is worth $145,100 and typical rent is $1,277 a month. Compared with all of Madison County, typical rent is 25% higher and typical household income is 17% lower.
Typical home value from Zillow, September 2021 to September 2026: from $138,412 to $191,632.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Pontoon Beach is in Madison 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 Madison County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Granite City, the typical rent is $834: 35% less than in Pontoon Beach ($1,277).
2
Nearby, in Granite City, the typical home value is $104,300: 28% less than in Pontoon Beach ($145,100).
3
The typical rent in Pontoon Beach is $1,277 a month, 25% more than in Madison County as a whole ($1,024).
4
The typical household income in Pontoon Beach is $62,861,17% less than in Madison County as a whole ($75,793).
5
The typical home in Pontoon Beach is worth $145,100,16% less than in Madison County as a whole ($173,000).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Pontoon Beach
What homes there are in Pontoon Beach, 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
Pontoon Beach
Madison County
Illinois
United States
Kind of home: Pontoon Beach and its comparisons
Measure
Pontoon Beach
Madison County
Illinois
United States
Detached house
60%
79%
58%
61%
Attached house
Unreliable estimate
3%
6%
6%
Building of 2 to 4
8%
8%
12%
8%
Apartments (5 or more)
Unreliable estimate
8%
22%
19%
Mobile home
26%
2%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Pontoon Beach, 6 in 10 homes are single-family detached houses; in Madison County, 8.
Mobile homes are 26% of homes in Pontoon Beach, more than in Madison County (2%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Pontoon Beach
Madison County
Illinois
United States
Year built: Pontoon Beach and its comparisons
Measure
Pontoon Beach
Madison County
Illinois
United States
Before 1960
9%
36%
38%
26%
1960–1979
27%
25%
26%
24%
1980–1999
37%
20%
20%
25%
2000–2009
21%
12%
11%
14%
2010 or later
Unreliable estimate
7%
6%
11%
Homes in Pontoon Beach are newer: the typical year built is 1990; in Madison County, 1971.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K29%
$100K–$200K38%
$200K–$300K23%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Pontoon Beach and its comparisons
Measure
Pontoon Beach
Under $100K
29%
$100K–$200K
38%
$200K–$300K
23%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49954%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Pontoon Beach and its comparisons
Measure
Pontoon Beach
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
54%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,325 a month
Madison County: $1,511 a month
Without a mortgage
$747 a month
Madison County: $653 a month
Owners with a mortgage
58%
Madison County: 60%
Owning costs less in Pontoon Beach: with a mortgage, the typical cost is $1,325 a month; in Madison County, $1,511. Without one, $747.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Pontoon Beach+52%
Madison County+28%
Illinois+35%
United States+53%
Typical rent
Pontoon Beach+50%
Madison County+24%
Illinois+26%
United States+33%
Typical household income
Pontoon BeachNo clear change
Madison County+25%
Illinois+27%
United States+29%
Change since 2015–2019: Pontoon Beach and its comparisons
Measure
Pontoon Beach
Madison County
Illinois
United States
Typical home value
+52%
+28%
+35%
+53%
Typical rent
+50%
+24%
+26%
+33%
Typical household income
No clear change
+25%
+27%
+29%
The typical home value in Pontoon Beach rose 52% since 2015–2019, more than in Madison County (28%).
The typical rent in Pontoon Beach rose 50% over the same time; in Madison County, it rose 24%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Pontoon Beach and its comparisons
Measure
Pontoon Beach
Madison County
Illinois
United States
Rental vacancy
Unreliable estimate
4.1%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
1.0%
0.9%
More than one person per room
Unreliable estimate
1.0%
2.5%
3.4%
People per household
2.52
2.35
2.46
2.53
Drive alone
79%
78%
66%
69%
Carpool
12%
7%
8%
9%
Public transit
Unreliable estimate
1%
6%
3%
Walk or bike
Unreliable estimate
1%
3%
3%
Work from home
6%
13%
16%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Pontoon Beach are bigger: 2.52 people on average; in Madison County, 2.35.
Carpooling is common in Pontoon Beach: 12% of workers get to work that way, against 7% in Madison County.
Do the math
What would you pay each month for a home in Pontoon Beach?
A typical home is within reach of the typical income
We start with a typical home in Pontoon Beach, worth $145,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Pontoon Beach, which is $62,861 a year.
The calculator's FHA and conventional loan limits are those of all of Madison 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 Pontoon Beach. 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 $5,079 (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
$1,288
at 7.18% · 30 years
Loan amount
$142,471
Total interest
$204,983
Paid off in
November 2056
Includes $2,450 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,467 a month
Your payment · 25%
Tight
$1,467 to $1,886 a month
Hard
more than $1,886 a month
Compared with the typical household income in Pontoon Beach ($62,861 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$965
Property tax
$198
Home insurance
$61
FHA mortgage insurance (MIP)
$64
You need at least $5,079 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 $1,288; principal and interest $965.
The city and its county
Pontoon Beach and Madison County
Pontoon Beach is in Madison 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).
Pontoon Beach
Map of Madison County, Illinois, with Pontoon Beach marked. Around it, the neighboring counties.
Pontoon Beach
Madison County
Other cities with a page
Pontoon Beach's own numbers
Typical home value
$145,100
Typical monthly rent
$1,277
Typical yearly household income
$62,861
Households that own their home
70%
Effective property tax rate
1.64%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Madison 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)
+47%
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 Madison County.
A typical home in Pontoon Beach is worth $145,100: 16% below the county and 45% below Illinois. With the typical household income in Pontoon Beach ($62,861 a year), a typical home costs 2.3 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.
Pontoon Beach2.3 years
Madison2.3 years
Illinois3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Madison County
According to FHFA’s house price index, home prices in Madison County rose 66% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Madison County.
Yearly change in FHFA’s price index in Madison County, 2016 to 2025
2016: +2.1% +2.1% 2016
2017: +2.3% +2.3% 2017
2018: +2.9% +2.9% 2018
2019: +2.8% +2.8% 2019
2020: +2.2% +2.2% 2020
2021: +7.4% +7.4% 2021
2022: +11.8% +11.8% 2022
2023: +8.2% +8.2% 2023
2024: +6.0% +6.0% 2024
2025: +6.7% +6.7% 2025
Change in FHFA’s price index in Madison County, Illinois and the United States
Period
County
Illinois
U.S.
Last year (2025)
+6.7%
+5.7%
+2.9%
5 years (2020–2025)
+47%
+47%
+47%
10 years (2015–2025)
+66%
+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
Pontoon Beach next to Madison 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
Pontoon Beach$145,100
Madison$173,000
Illinois$263,300
United States$332,700
Typical monthly rent
Pontoon Beach$1,277
Madison$1,024
Illinois$1,274
United States$1,413
Typical yearly household income
Pontoon Beach$62,861
Madison$75,793
Illinois$83,390
United States$80,734
See the full table
Pontoon Beach next to Madison County and Illinois
Measure
Pontoon Beach
Madison County
Illinois
U.S.
Typical home value
$145,100 ▼16% below the county
$173,000
$263,300
$332,700
Typical monthly rent
$1,277 ▲25% above the county
$1,024
$1,274
$1,413
Typical yearly household income
$62,861 ▼17% below the county
$75,793
$83,390
$80,734
Households that own their home
70% ▼5 points below the county
74%
67%
65%
Typical yearly property tax
$2,386 ▼28% below the county
$3,319
$5,298
$3,119
Effective property tax rate
1.64% ▼0.28 points below the county
1.92%
2.01%
0.94%
Renters with high rent for their income
48% ▲1 points above the county
47%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Madison 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 Pontoon Beach
For a typical $145,100 home in Pontoon Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pontoon Beach's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,288a month
Least cash to close
Down payment
$5,079
Cash to close
$9,432
Rate
7.18%
Mortgage insurance
FHA MIP · $64
Conventional, 5% down$1,261a month
Down payment
$7,255
Cash to close
$11,608
Rate
7.18%
Mortgage insurance
PMI · $69
Conventional, 20% down, no PMI$1,045a month
Down payment
$29,020
Cash to close
$33,373
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,179a month
Down payment
$21,765
Cash to close
$26,118
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Pontoon Beach
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,288
$5,079
$142,472
7.18%
FHA MIP · $64
$9,432
580
Conventional, 5% down
$1,261
$7,255
$137,845
7.18%
PMI · $69
$11,608
620*
Conventional, 20% down, no PMI
$1,045
$29,020
$116,080
7.18%
None
$33,373
620*
ITIN, 15% down (example)
$1,179
$21,765
$123,335
8.18%
None
$26,118
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 Pontoon Beach is $1,277 a month: 25% above the county. In Pontoon Beach, 48% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Madison 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 Madison 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 Pontoon Beach
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pontoon Beach has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,140 in 62040 to $1,500 in 62025.
1 of the 2 is above the fair market rent for Madison County ($1,349).
Fair market rent by ZIP code and size in Pontoon Beach, fiscal year 2027.
62025
$1,180
$1,230
$1,500
$1,920
$2,220
62040
$900
$930
$1,140
$1,460
$1,690
ZIP code2 bd3 bd
62025 $1,500$1,920
62040 $1,140$1,460
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Pontoon Beach 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 Madison County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Pontoon Beach or Madison County. The ones below are statewide in Illinois: they work in Pontoon Beach 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).
The HUD-approved agencies closest to the center of Pontoon Beach, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
UL
Urban League of Metropolitan ST. Louis - ST. Clair County Operations
10220 Lincoln Trail, Fairview Heights · 9 miles away
No legal help resource on our list is for Pontoon Beach or Madison 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 Pontoon Beach and all of Madison 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 Pontoon Beach?
The typical home value in Pontoon Beach is $145,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Madison County it is $173,000.
How much does it cost to rent in Pontoon Beach?
Typical rent in Pontoon Beach is $1,277 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Madison County is $1,349.
What is the FHA loan limit in Pontoon Beach?
Pontoon Beach uses the FHA limit for all of Madison 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 Pontoon Beach?
The typical homeowner in Pontoon Beach pays $2,386 a year, according to the U.S. Census Bureau. That is 1.64% of the home’s value; in Madison County, the rate is 1.92%.
Where can I find free help to buy or rent in Pontoon Beach?
There is 1 HUD-approved counseling agency with an office in Madison County. They can help you get ready to buy, with your credit, or with rent.
