The typical owner-occupied home in Fults is worth about $68,300, 74% below the Illinois median of $263,300 and 79% below the national median of $332,700. The median household earns $101,250 a year, so the median home costs 0.7 times the median income (3.2 times for Illinois). 100% of occupied homes here are lived in by their owners, and 60% of those owners still have a mortgage.
Fults at a glance
| Fults | Illinois | U.S. | |
|---|---|---|---|
| Median home value | $68,300 | $263,300 | $332,700 |
| Median property tax paid per year | – | $5,298 | $3,119 |
| Median household income | $101,250 | $83,390 | $80,734 |
| Homes lived in by their owners | 100% | 67% | 65% |
| Owner homes with a mortgage | 60% | 61% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,987 | $1,963 |
| Median rent | – | $1,274 | $1,413 |
| Median year homes were built | 1971 | 1971 | 1980 |
| Vacant homes | 54.5% | 7.7% | 10.1% |
| Population | 12 | 12,694,798 | 334,922,499 |
What a typical home costs per month in Fults
At this week's average 30-year rate of 7.11%, buying the median Fults home of $68,300 with 20% down costs about $459 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $572, 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 $19,656 for the 20%-down payment. That payment is 5% of the median Fults household income of $101,250; at that income and 20% down, the 28% guideline points to a home of about $352,000.
| Down payment | $13,660 |
|---|---|
| Loan amount | $54,640 |
| Principal and interest | $368 |
| Property taxes (1.10% a year) | $63 |
| Homeowners insurance (our estimate, 0.5% a year) | $28 |
| PMI | $0 |
| Total per month | $459 |
Change the numbers in the calculator
| Down payment | $2,390 |
|---|---|
| Loan amount | $67,063 |
| Principal and interest | $451 |
| Property taxes (1.10% a year) | $63 |
| Homeowners insurance (our estimate, 0.5% a year) | $28 |
| FHA mortgage insurance | $30 |
| Total per month | $572 |
Change the numbers in the calculator
Questions about home buying in Fults
What is the median home value in Fults?
About $68,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Fults?
For the median home with 20% down at 7.11%, the payment is about $459 a month. Keeping that under 28% of gross income takes about $19,656 a year.
More about Fults
- Mortgage Refinance in Fults
- Debt Relief in Fults
- Home Equity Loans in Fults
- 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