The typical owner-occupied home in Vandalia is worth about $98,500, 63% below the Illinois median of $263,300 and 70% below the national median of $332,700. Owners pay a median $1,897 a year in property taxes, about 1.93% of their home's value, close to the Illinois rate of 2.01%. The median household earns $45,469 a year, so the median home costs 2.2 times the median income (3.2 times for Illinois). 67% of occupied homes here are lived in by their owners, and 47% of those owners still have a mortgage.
Vandalia at a glance
| Vandalia | Illinois | U.S. | |
|---|---|---|---|
| Median home value | $98,500 | $263,300 | $332,700 |
| Median property tax paid per year | $1,897 | $5,298 | $3,119 |
| Property tax as a share of value | 1.93% | 2.01% | 0.94% |
| Median household income | $45,469 | $83,390 | $80,734 |
| Homes lived in by their owners | 67% | 67% | 65% |
| Owner homes with a mortgage | 47% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,006 | $1,987 | $1,963 |
| Those costs as a share of the owners' income | 17.8% | 20.6% | 21.0% |
| Median rent | $778 | $1,274 | $1,413 |
| Rent as a share of renters' income | 28.9% | 29.1% | 30.6% |
| Median year homes were built | 1955 | 1971 | 1980 |
| Vacant homes | 15.6% | 7.7% | 10.1% |
| Population | 5,796 | 12,694,798 | 334,922,499 |
What a typical home costs per month in Vandalia
At this week's average 30-year rate of 7.11%, buying the median Vandalia home of $98,500 with 20% down costs about $730 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $894, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $31,266 for the 20%-down payment. That payment is 19% of the median Vandalia household income of $45,469; at that income and 20% down, the 28% guideline points to a home of about $143,000.
The median rent here is $778 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $19,700 |
|---|---|
| Loan amount | $78,800 |
| Principal and interest | $530 |
| Property taxes (1.93% a year) | $158 |
| Homeowners insurance (our estimate, 0.5% a year) | $41 |
| PMI | $0 |
| Total per month | $730 |
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| Down payment | $3,448 |
|---|---|
| Loan amount | $96,716 |
| Principal and interest | $651 |
| Property taxes (1.93% a year) | $158 |
| Homeowners insurance (our estimate, 0.5% a year) | $41 |
| FHA mortgage insurance | $44 |
| Total per month | $894 |
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Questions about home buying in Vandalia
What is the median home value in Vandalia?
About $98,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Vandalia?
Homeowners pay a median $1,897 a year, which is about 1.93% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Vandalia?
For the median home with 20% down at 7.11%, the payment is about $730 a month. Keeping that under 28% of gross income takes about $31,266 a year.
More about Vandalia
- Mortgage Refinance in Vandalia
- Debt Relief in Vandalia
- Home Equity Loans in Vandalia
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data