The typical owner-occupied home in Mascoutah is worth about $224,900, 15% below the Illinois median of $263,300 and 32% below the national median of $332,700. Owners pay a median $4,557 a year in property taxes, about 2.03% of their home's value, close to the Illinois rate of 2.01%. The median household earns $97,375 a year, so the median home costs 2.3 times the median income (3.2 times for Illinois). 70% of occupied homes here are lived in by their owners, and 69% of those owners still have a mortgage.
Mascoutah at a glance
| Mascoutah | Illinois | U.S. | |
|---|---|---|---|
| Median home value | $224,900 | $263,300 | $332,700 |
| Median property tax paid per year | $4,557 | $5,298 | $3,119 |
| Property tax as a share of value | 2.03% | 2.01% | 0.94% |
| Median household income | $97,375 | $83,390 | $80,734 |
| Homes lived in by their owners | 70% | 67% | 65% |
| Owner homes with a mortgage | 69% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,877 | $1,987 | $1,963 |
| Those costs as a share of the owners' income | 17.7% | 20.6% | 21.0% |
| Median rent | $1,370 | $1,274 | $1,413 |
| Rent as a share of renters' income | 29.1% | 29.1% | 30.6% |
| Median year homes were built | 1984 | 1971 | 1980 |
| Vacant homes | 6.0% | 7.7% | 10.1% |
| Population | 8,816 | 12,694,798 | 334,922,499 |
What a typical home costs per month in Mascoutah
At this week's average 30-year rate of 7.11%, buying the median Mascoutah home of $224,900 with 20% down costs about $1,684 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,059, 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 $72,192 for the 20%-down payment. That payment is 21% of the median Mascoutah household income of $97,375; at that income and 20% down, the 28% guideline points to a home of about $303,000.
The median rent here is $1,370 a month, so owning the median home costs about $314 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $44,980 |
|---|---|
| Loan amount | $179,920 |
| Principal and interest | $1,210 |
| Property taxes (2.03% a year) | $380 |
| Homeowners insurance (our estimate, 0.5% a year) | $94 |
| PMI | $0 |
| Total per month | $1,684 |
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| Down payment | $7,872 |
|---|---|
| Loan amount | $220,826 |
| Principal and interest | $1,486 |
| Property taxes (2.03% a year) | $380 |
| Homeowners insurance (our estimate, 0.5% a year) | $94 |
| FHA mortgage insurance | $99 |
| Total per month | $2,059 |
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Questions about home buying in Mascoutah
What is the median home value in Mascoutah?
About $224,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Mascoutah?
Homeowners pay a median $4,557 a year, which is about 2.03% 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 Mascoutah?
For the median home with 20% down at 7.11%, the payment is about $1,684 a month. Keeping that under 28% of gross income takes about $72,192 a year.
More about Mascoutah
- Mortgage Refinance in Mascoutah
- Debt Relief in Mascoutah
- Home Equity Loans in Mascoutah
- 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