The typical owner-occupied home in Harristown is worth about $117,700, 55% below the Illinois median of $263,300 and 65% below the national median of $332,700. Owners pay a median $2,368 a year in property taxes, about 2.01% of their home's value, close to the Illinois rate of 2.01%. The median household earns $72,426 a year, so the median home costs 1.6 times the median income (3.2 times for Illinois). 89% of occupied homes here are lived in by their owners, and 53% of those owners still have a mortgage.
Harristown at a glance
| Harristown | Illinois | U.S. | |
|---|---|---|---|
| Median home value | $117,700 | $263,300 | $332,700 |
| Median property tax paid per year | $2,368 | $5,298 | $3,119 |
| Property tax as a share of value | 2.01% | 2.01% | 0.94% |
| Median household income | $72,426 | $83,390 | $80,734 |
| Homes lived in by their owners | 89% | 67% | 65% |
| Owner homes with a mortgage | 53% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,127 | $1,987 | $1,963 |
| Those costs as a share of the owners' income | 16.0% | 20.6% | 21.0% |
| Median rent | $825 | $1,274 | $1,413 |
| Rent as a share of renters' income | 26.0% | 29.1% | 30.6% |
| Median year homes were built | 1961 | 1971 | 1980 |
| Vacant homes | 1.6% | 7.7% | 10.1% |
| Population | 1,550 | 12,694,798 | 334,922,499 |
What a typical home costs per month in Harristown
At this week's average 30-year rate of 7.11%, buying the median Harristown home of $117,700 with 20% down costs about $880 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,076, 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 $37,698 for the 20%-down payment. That payment is 15% of the median Harristown household income of $72,426; at that income and 20% down, the 28% guideline points to a home of about $226,000.
The median rent here is $825 a month, so owning the median home costs about $55 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $23,540 |
|---|---|
| Loan amount | $94,160 |
| Principal and interest | $633 |
| Property taxes (2.01% a year) | $197 |
| Homeowners insurance (our estimate, 0.5% a year) | $49 |
| PMI | $0 |
| Total per month | $880 |
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| Down payment | $4,120 |
|---|---|
| Loan amount | $115,568 |
| Principal and interest | $777 |
| Property taxes (2.01% a year) | $197 |
| Homeowners insurance (our estimate, 0.5% a year) | $49 |
| FHA mortgage insurance | $52 |
| Total per month | $1,076 |
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Questions about home buying in Harristown
What is the median home value in Harristown?
About $117,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Harristown?
Homeowners pay a median $2,368 a year, which is about 2.01% 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 Harristown?
For the median home with 20% down at 7.11%, the payment is about $880 a month. Keeping that under 28% of gross income takes about $37,698 a year.
More about Harristown
- Mortgage Refinance in Harristown
- Debt Relief in Harristown
- Home Equity Loans in Harristown
- 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