The typical owner-occupied home in Fidelity is worth about $90,800, 66% below the Illinois median of $263,300 and 73% below the national median of $332,700. Owners pay a median $463 a year in property taxes, about 0.51% of their home's value, lower than the Illinois rate of 2.01%. The median household earns $44,063 a year, so the median home costs 2.1 times the median income (3.2 times for Illinois). 73% of occupied homes here are lived in by their owners, and 55% of those owners still have a mortgage.
Fidelity at a glance
| Fidelity | Illinois | U.S. | |
|---|---|---|---|
| Median home value | $90,800 | $263,300 | $332,700 |
| Median property tax paid per year | $463 | $5,298 | $3,119 |
| Property tax as a share of value | 0.51% | 2.01% | 0.94% |
| Median household income | $44,063 | $83,390 | $80,734 |
| Homes lived in by their owners | 73% | 67% | 65% |
| Owner homes with a mortgage | 55% | 61% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,987 | $1,963 |
| Median rent | – | $1,274 | $1,413 |
| Median year homes were built | 1987 | 1971 | 1980 |
| Vacant homes | 51.6% | 7.7% | 10.1% |
| Population | 71 | 12,694,798 | 334,922,499 |
What a typical home costs per month in Fidelity
At this week's average 30-year rate of 7.11%, buying the median Fidelity home of $90,800 with 20% down costs about $565 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $716, 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 $24,217 for the 20%-down payment. That payment is 15% of the median Fidelity household income of $44,063; at that income and 20% down, the 28% guideline points to a home of about $165,000.
| Down payment | $18,160 |
|---|---|
| Loan amount | $72,640 |
| Principal and interest | $489 |
| Property taxes (0.51% a year) | $39 |
| Homeowners insurance (our estimate, 0.5% a year) | $38 |
| PMI | $0 |
| Total per month | $565 |
Change the numbers in the calculator
| Down payment | $3,178 |
|---|---|
| Loan amount | $89,155 |
| Principal and interest | $600 |
| Property taxes (0.51% a year) | $39 |
| Homeowners insurance (our estimate, 0.5% a year) | $38 |
| FHA mortgage insurance | $40 |
| Total per month | $716 |
Change the numbers in the calculator
Questions about home buying in Fidelity
What is the median home value in Fidelity?
About $90,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Fidelity?
Homeowners pay a median $463 a year, which is about 0.51% 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 Fidelity?
For the median home with 20% down at 7.11%, the payment is about $565 a month. Keeping that under 28% of gross income takes about $24,217 a year.
More about Fidelity
- Mortgage Refinance in Fidelity
- Debt Relief in Fidelity
- Home Equity Loans in Fidelity
- 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