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City · 10,646 residents · Christian County, Illinois

Taylorville , Illinois

In Taylorville, a typical home is worth $104,100 and typical rent is $828 a month. Compared with all of Christian County, the typical home value is 10% lower, typical household income is 8% lower, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $104,100

    10% below the county

    60% below Illinois

    • Taylorville
    • Christian
    • Illinois

  • Typical rent

    $828a month

    5% above the county

    35% below Illinois

    • Taylorville
    • Christian
    • Illinois

  • Typical household income

    $57,552a year

    8% below the county

    31% below Illinois

    • Taylorville
    • Christian
    • Illinois

  • Households that own their home

    67%

    9 points below the county

    1 points below Illinois

    • Taylorville
    • Christian
    • Illinois

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

Market now, with Zillow data

Zillow data
Typical home value
$137,919
4.3% more than 12 months ago

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

Taylorville is in Christian 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 Christian County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Taylorville apart

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

  1. Nearby, in Pana, the typical home value is $77,900: 25% less than in Taylorville ($104,100).

  2. Nearby, in Pana, the typical rent is $684: 17% less than in Taylorville ($828).

  3. 67% of households in Taylorville own their home, against 75% in Christian County.

  4. Taylorville has the 31st lowest typical home value of the 336 cities in Illinois with more than 5,000 people ($104,100).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Taylorville

What homes there are in Taylorville, 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

The detached house is still the most common home in Taylorville, but it weighs less than in Christian County: 79% against 84%.

Year built

In Taylorville, half of the homes were built before 1965; in Christian County, before 1963.

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

At least 99% of owner-occupied homes in Taylorville are worth less than $500,000, below the FHA loan limit for Christian County ($541,287).

Monthly rent with utilities

About 69% of rented homes in Taylorville cost less than HUD's 2-bedroom fair market rent for Christian County ($939).

With a mortgage

$1,117 a month

Christian County: $1,200 a month

Without a mortgage

$515 a month

Christian County: $535 a month

Owners with a mortgage

54%

Christian County: 52%

In Taylorville, 54% of owners have a mortgage, and their typical cost is $1,117 a month, against $1,200 in Christian County. Without one it drops to $515.

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

Homes in Taylorville gained value more slowly than in Christian County: 17% since 2015–2019, against 27%.

Since 2015–2019, the typical rent in Taylorville rose 23%, more than in Christian County (17%).

Here income gained ground: typical income rose 44%, against +17% for home values and +23% for rent.

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

MeasureTaylorvilleChristian CountyIllinoisUnited States
Rental vacancy Unreliable estimate11.8%5.0%5.5%
Homeowner vacancy Unreliable estimate1.5%1.0%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.5%3.4%
People per household 2.302.342.462.53
Drive alone 88%83%66%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimateUnreliable estimate6%3%
Walk or bike Unreliable estimate1%3%3%
Work from home Unreliable estimate7%16%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

By size, households in Taylorville look like those in Christian County: 2.30 people on average.

To get to work, 88% of workers in Taylorville drive alone; in Christian County, 83%.

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 Taylorville?

A typical home is within reach of the typical income

We start with a typical home in Taylorville, worth $104,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 19% of the typical household income in Taylorville, which is $57,552 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Taylorville. 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 $3,644 (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

$928

at 7.18% · 30 years

Loan amount
$102,214
Total interest
$147,062
Paid off in
November 2056

Includes $1,758 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,343 a month

    Your payment · 19%

  • Tight

    $1,343 to $1,727 a month

  • Hard

    more than $1,727 a month

Compared with the typical household income in Taylorville ($57,552 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$928
Principal & interest$692
Property tax$146
Home insurance$43
FHA mortgage insurance (MIP)$46

You need at least $3,644 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

Taylorville and Christian County

Taylorville is in Christian 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).

Taylorville's own numbers

Typical home value
$104,100
Typical monthly rent
$828
Typical yearly household income
$57,552
Households that own their home
67%
Effective property tax rate
1.68%

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

Numbers for all of Christian County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$939
Price change over 5 years (FHFA)
+41%
Homes in a high flood-risk zone
0.6%

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 Christian County.

Everything about Christian County

Buying

Buying a home in Taylorville

A typical home in Taylorville is worth $104,100: 10% below the county and 60% below Illinois. With the typical household income in Taylorville ($57,552 a year), a typical home costs 1.8 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.

  • Taylorville 1.8 years
  • Christian 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 Christian County

According to FHFA’s house price index, home prices in Christian County rose 51% in the 10 years through 2025.

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

Period County Illinois U.S.
Last year (2025) +8.1% +5.7% +2.9%
5 years (2020–2025) +41% +47% +47%
10 years (2015–2025) +51% +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

Taylorville next to Christian 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
  • Taylorville $104,100
  • Christian $115,500
  • Illinois $263,300
  • United States $332,700
Typical monthly rent
  • Taylorville $828
  • Christian $785
  • Illinois $1,274
  • United States $1,413
Typical yearly household income
  • Taylorville $57,552
  • Christian $62,611
  • Illinois $83,390
  • United States $80,734
See the full table
Taylorville next to Christian County and Illinois
Measure Taylorville Christian County Illinois U.S.
Typical home value $104,100 $115,500 $263,300 $332,700
Typical monthly rent $828 $785 $1,274 $1,413
Typical yearly household income $57,552 $62,611 $83,390 $80,734
Households that own their home 67% 75% 67% 65%
Typical yearly property tax $1,744 $1,891 $5,298 $3,119
Effective property tax rate 1.68% 1.64% 2.01% 0.94%
Renters with high rent for their income 43% 36% 48% 51%

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

For a typical $104,100 home in Taylorville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Taylorville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $928a month

    Least cash to close
    Down payment
    $3,644
    Cash to close
    $6,767
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $46

  • Conventional, 5% down $909a month

    Down payment
    $5,205
    Cash to close
    $8,328
    Rate
    7.18%
    Mortgage insurance
    PMI · $49

  • Conventional, 20% down, no PMI $753a month

    Down payment
    $20,820
    Cash to close
    $23,943
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $850a month

    Down payment
    $15,615
    Cash to close
    $18,738
    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 Taylorville and for Christian County.

Property tax

Effective rate in Taylorville

1.68%of the home’s value each year

$1,744 a year for the typical owner in Taylorville.

  • Taylorville 1.68%
  • Christian 1.64%
  • Illinois 2.01%

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

Exemptions and deadlines in Illinois

Flood risk in Christian County

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

Homes in the high-risk zone
0.6%
87
Of those, with NFIP insurance
11%
County Illinois U.S.
Homes in the high-risk zone 0.6% 1.5% 3.5%
Of those, with NFIP insurance 11% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Taylorville

Typical rent in Taylorville is $828 a month: 5% above the county. In Taylorville, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Christian County, by unit size. To pay the 2-bedroom one ($939 a month) without spending more than 30% of your income, you would need to earn $18.06 an hour working full time.

HUD fair market rent for all of Christian 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 $654 $12.58 $26,160
1 bedroom $718 $13.81 $28,720
2 bedrooms $939 $18.06 $37,560
3 bedrooms $1,119 $21.52 $44,760
4 bedrooms $1,412 $27.15 $56,480

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 Taylorville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Taylorville is in ZIP code 62568.

For 2 bedrooms it is $950: $11 more than the fair market rent for Christian County ($939).

  • 62568 $950$1,130

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

HUD lists 9 buildings with rents for lower incomes in Taylorville. These are the largest.

  • Hershey Tower Senior Village, LP 400 W Franklin St, Taylorville 62568 139 low-income homes · For families (217) 632-7723
  • Park Glen 630 N Webster St, Taylorville 62568 125 low-income homes · For older adults (217) 287-1461
  • Berkshires 1121 E 1500 North Rd, Taylorville 62568 24 low-income homes · 2 bd: 18 · 3 bd: 6 · In service since 2010
  • North Ridge Apts 609 N Ridge Ave, Taylorville 62568 24 low-income homes · 1 bd: 24 · In service since 1991 · For older adults
  • Rolling Meadows Senior Living, Inc 1125 E 1500 North Rd, Taylorville 62568 23 low-income homes · For older adults (217) 287-2450

See all 14 buildings in Christian County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Taylorville

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 Christian County; none says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Taylorville

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

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

  • C.e.f.s. - Christian County Outreach Office

    220 W. Franklin, Taylorville · 2 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    217-824-4712-22

  • Springfield Housing Authority

    200 N 11th St, Springfield · 24 miles away

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (217) 753-5757

  • Community Investment Corporation of Decatur, Inc

    120 N Franklin St Ste C, Decatur · 27 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (217) 423-0352

Every agency in Christian County All counseling agencies in Illinois

Help in Spanish near Taylorville

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 Taylorville

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

  • Housing Authority of Christian County, Illinois Public housing and Section 8 vouchers (217) 562-3121

All housing agencies in Illinois Source: HUD

Cities

Other cities in Christian County

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

Everything about Christian County Housing in Illinois

Nearby cities

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

Neighboring counties

If Christian 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 Taylorville.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Taylorville

Short answers with the numbers for Taylorville and all of Christian 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 Taylorville?

The typical home value in Taylorville is $104,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Christian County it is $115,500.

How much does it cost to rent in Taylorville?

Typical rent in Taylorville is $828 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Christian County is $939.

What is the FHA loan limit in Taylorville?

Taylorville uses the FHA limit for all of Christian 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 Taylorville?

The typical homeowner in Taylorville pays $1,744 a year, according to the U.S. Census Bureau. That is 1.68% of the home’s value; in Christian County, the rate is 1.64%.

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

There is 1 HUD-approved counseling agency with an office in Christian 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).