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City · 14,572 residents · St. Clair County, Illinois

Shiloh , Illinois

In Shiloh, a typical home is worth $274,000 and typical rent is $1,187 a month. Compared with all of St. Clair County, the typical home value is 52% higher, typical household income is 35% higher, and the share of households that own their home is 5 points lower.

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  • Typical home value

    $274,000

    52% above the county

    4% above Illinois

    • Shiloh
    • St. Clair
    • Illinois

  • Typical rent

    $1,187a month

    9% above the county

    7% below Illinois

    • Shiloh
    • St. Clair
    • Illinois

  • Typical household income

    $99,573a year

    35% above the county

    19% above Illinois

    • Shiloh
    • St. Clair
    • Illinois

  • Households that own their home

    63%

    5 points below the county

    4 points below Illinois

    • Shiloh
    • St. Clair
    • Illinois

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

Market now, with Zillow data

Zillow data
Typical home value
$316,069
2.2% more than 12 months ago
Typical rent
$1,293 a month
7.8% more than 12 months ago

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

Shiloh 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Shiloh apart

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

  1. Shiloh has the 7th smallest share of rent-burdened renters of the 291 cities in Illinois with more than 5,000 people (30%).

  2. Nearby, in Belleville, the typical home value is $141,300: 48% less than in Shiloh ($274,000).

  3. The typical home in Shiloh is worth $274,000, 52% more than in St. Clair County as a whole ($180,300).

  4. The typical household income in Shiloh is $99,573, 35% more than in St. Clair County as a whole ($73,854).

  5. According to Zillow, in the 12 months to September 2026 the typical home value in Shiloh rose 2.2%; in Illinois, it rose 5.3%.

  6. 63% of households in Shiloh own their home, against 68% in St. Clair County.

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

The homes here

Housing in Shiloh

What homes there are in Shiloh, 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

In Shiloh, 6 in 10 homes are single-family detached houses; in St. Clair County, 7.

Year built

Here half of the homes date from 2000 or later; in St. Clair County, from 1975 or later.

There is more room for a big family here: 67% of homes have 3 bedrooms or more, against 62% in St. Clair County.

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

$1,946 a month

St. Clair County: $1,645 a month

Without a mortgage

$843 a month

St. Clair County: $645 a month

Owners with a mortgage

68%

St. Clair County: 59%

The typical cost for an owner with a mortgage in Shiloh is $1,946 a month, more than in St. Clair County ($1,645); without one, $843.

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

The typical home value in Shiloh rose 24% since 2015–2019, less than in St. Clair County (41%).

Much as in St. Clair County, the typical rent in Shiloh rose 26% since 2015–2019.

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

MeasureShilohSt. Clair CountyIllinoisUnited States
Rental vacancy Unreliable estimate4.7%5.0%5.5%
Homeowner vacancy Unreliable estimate1.1%1.0%0.9%
More than one person per room Unreliable estimate1.8%2.5%3.4%
People per household 2.442.472.462.53
Drive alone 76%75%66%69%
Carpool 5%8%8%9%
Public transit Unreliable estimate2%6%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 14%12%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in St. Clair County, a household in Shiloh has 2.44 people on average.

In Shiloh, 76% of workers drive alone to work; in St. Clair County, 75%.

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 Shiloh?

A typical home is tight for the typical income

We start with a typical home in Shiloh, worth $274,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Shiloh, which is $99,573 a year. For that payment to be 28% of income, a household would need to earn about $105,517 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Shiloh. 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 $9,590 (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

$2,462

at 7.18% · 30 years

Loan amount
$269,037
Total interest
$387,081
Paid off in
November 2056

Includes $4,627 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,323 a month

  • Tight

    $2,323 to $2,987 a month

    Your payment · 30%

  • Hard

    more than $2,987 a month

Compared with the typical household income in Shiloh ($99,573 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,462
Principal & interest$1,823
Property tax$404
Home insurance$114
FHA mortgage insurance (MIP)$121

You need at least $9,590 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

Shiloh and St. Clair County

Shiloh 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).

Shiloh's own numbers

Typical home value
$274,000
Typical monthly rent
$1,187
Typical yearly household income
$99,573
Households that own their home
63%
Effective property tax rate
1.77%

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.

Everything about St. Clair County

Buying

Buying a home in Shiloh

A typical home in Shiloh is worth $274,000: 52% above the county and 4% above Illinois. With the typical household income in Shiloh ($99,573 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.

  • Shiloh 2.8 years
  • St. Clair 2.4 years
  • Illinois 3.2 years
  • United States 4.1 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.

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

Shiloh 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
  • Shiloh $274,000
  • St. Clair $180,300
  • Illinois $263,300
  • United States $332,700
Typical monthly rent
  • Shiloh $1,187
  • St. Clair $1,090
  • Illinois $1,274
  • United States $1,413
Typical yearly household income
  • Shiloh $99,573
  • St. Clair $73,854
  • Illinois $83,390
  • United States $80,734
See the full table
Shiloh next to St. Clair County and Illinois
Measure Shiloh St. Clair County Illinois U.S.
Typical home value $274,000 $180,300 $263,300 $332,700
Typical monthly rent $1,187 $1,090 $1,274 $1,413
Typical yearly household income $99,573 $73,854 $83,390 $80,734
Households that own their home 63% 68% 67% 65%
Typical yearly property tax $4,861 $3,665 $5,298 $3,119
Effective property tax rate 1.77% 2.03% 2.01% 0.94%
Renters with high rent for their income 30% 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 Shiloh

For a typical $274,000 home in Shiloh, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Shiloh's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,462a month

    Least cash to close
    Down payment
    $9,590
    Cash to close
    $17,810
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $121

  • Conventional, 5% down $2,412a month

    Down payment
    $13,700
    Cash to close
    $21,920
    Rate
    7.18%
    Mortgage insurance
    PMI · $130

  • Conventional, 20% down, no PMI $2,003a month

    Down payment
    $54,800
    Cash to close
    $63,020
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,257a month

    Down payment
    $41,100
    Cash to close
    $49,320
    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 Shiloh and for St. Clair County.

Property tax

Effective rate in Shiloh

1.77%of the home’s value each year

$4,861 a year for the typical owner in Shiloh.

  • Shiloh 1.77%
  • St. Clair 2.03%
  • Illinois 2.01%

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

Exemptions and deadlines in Illinois

Flood risk in St. Clair County

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

FEMA’s maps count no homes in the high-risk zone in St. Clair County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Shiloh

Typical rent in Shiloh is $1,187 a month: 9% above the county. In Shiloh, 30% 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.

HUD fair market rent for all of St. Clair 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 $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 Shiloh

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Shiloh has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,370 in 62221 to $1,570 in 62269.

2 of the 2 are above the fair market rent for St. Clair County ($1,349).

  • 62221 $1,370$1,760
  • 62269 $1,570$2,010

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Shiloh 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 Shiloh

HUD lists one building with rents for lower incomes in Shiloh.

  • Wingate Manor I 161 Wingate Blvd, Shiloh 62221 48 low-income homes · 1 bd: 15 · 2 bd: 33 · In service since 2010

See all 54 buildings in St. Clair County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Shiloh

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.

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

HUD counseling is free or low-cost

Assistance programs in Shiloh

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

The HUD-approved agencies closest to the center of Shiloh, 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 · 6 miles away

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

  • Madison County Urban League

    408 E Broadway Street, Alton · 28 miles away

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 5 more
    618-463-1906-222

  • Macoupin County Housing Authority

    760 Anderson Street, Carlinville · 51 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    217-854-8606-202

Every agency in St. Clair County All counseling agencies in Illinois

Help in Spanish near Shiloh

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 Shiloh

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

  • St. Clair County Housing Authority Public housing and Section 8 vouchers (618) 277-6988

One other authority has an office in St. Clair County: see the list Source: HUD

Cities

Other cities in St. Clair County

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

Everything about St. Clair County Housing in Illinois

Nearby cities

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

Neighboring counties

If St. Clair 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 Shiloh.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Shiloh

Short answers with the numbers for Shiloh 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 Shiloh?

The typical home value in Shiloh is $274,000, 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 Shiloh?

Typical rent in Shiloh is $1,187 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 Shiloh?

Shiloh 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 Shiloh?

The typical homeowner in Shiloh pays $4,861 a year, according to the U.S. Census Bureau. That is 1.77% 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 Shiloh?

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.

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).