The typical owner-occupied home in Camden is worth about $103,900, 61% below the Illinois median of $263,300 and 69% below the national median of $332,700. Owners pay a median $690 a year in property taxes, about 0.66% of their home's value, lower than the Illinois rate of 2.01%. The median household earns $46,875 a year, so the median home costs 2.2 times the median income (3.2 times for Illinois). 93% of occupied homes here are lived in by their owners, and 26% of those owners still have a mortgage.
Camden at a glance
| Camden | Illinois | U.S. | |
|---|---|---|---|
| Median home value | $103,900 | $263,300 | $332,700 |
| Median property tax paid per year | $690 | $5,298 | $3,119 |
| Property tax as a share of value | 0.66% | 2.01% | 0.94% |
| Median household income | $46,875 | $83,390 | $80,734 |
| Homes lived in by their owners | 93% | 67% | 65% |
| Owner homes with a mortgage | 26% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,281 | $1,987 | $1,963 |
| Those costs as a share of the owners' income | 16.9% | 20.6% | 21.0% |
| Median rent | – | $1,274 | $1,413 |
| Median year homes were built | 1971 | 1971 | 1980 |
| Vacant homes | 14.7% | 7.7% | 10.1% |
| Population | 57 | 12,694,798 | 334,922,499 |
What a typical home costs per month in Camden
At this week's average 30-year rate of 7.11%, buying the median Camden home of $103,900 with 20% down costs about $660 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $833, 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 $28,268 for the 20%-down payment. That payment is 17% of the median Camden household income of $46,875; at that income and 20% down, the 28% guideline points to a home of about $172,000.
| Down payment | $20,780 |
|---|---|
| Loan amount | $83,120 |
| Principal and interest | $559 |
| Property taxes (0.66% a year) | $57 |
| Homeowners insurance (our estimate, 0.5% a year) | $43 |
| PMI | $0 |
| Total per month | $660 |
Change the numbers in the calculator
| Down payment | $3,636 |
|---|---|
| Loan amount | $102,018 |
| Principal and interest | $686 |
| Property taxes (0.66% a year) | $57 |
| Homeowners insurance (our estimate, 0.5% a year) | $43 |
| FHA mortgage insurance | $46 |
| Total per month | $833 |
Change the numbers in the calculator
Questions about home buying in Camden
What is the median home value in Camden?
About $103,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Camden?
Homeowners pay a median $690 a year, which is about 0.66% 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 Camden?
For the median home with 20% down at 7.11%, the payment is about $660 a month. Keeping that under 28% of gross income takes about $28,268 a year.
More about Camden
- Mortgage Refinance in Camden
- Debt Relief in Camden
- Home Equity Loans in Camden
- 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