The typical owner-occupied home in Cambria is worth about $143,800, 45% below the Illinois median of $263,300 and 57% below the national median of $332,700. Owners pay a median $1,860 a year in property taxes, about 1.29% of their home's value, lower than the Illinois rate of 2.01%. The median household earns $57,756 a year, so the median home costs 2.5 times the median income (3.2 times for Illinois). 40% of occupied homes here are lived in by their owners, and 50% of those owners still have a mortgage.
Cambria at a glance
| Cambria | Illinois | U.S. | |
|---|---|---|---|
| Median home value | $143,800 | $263,300 | $332,700 |
| Median property tax paid per year | $1,860 | $5,298 | $3,119 |
| Property tax as a share of value | 1.29% | 2.01% | 0.94% |
| Median household income | $57,756 | $83,390 | $80,734 |
| Homes lived in by their owners | 40% | 67% | 65% |
| Owner homes with a mortgage | 50% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,492 | $1,987 | $1,963 |
| Those costs as a share of the owners' income | 17.8% | 20.6% | 21.0% |
| Median rent | $1,038 | $1,274 | $1,413 |
| Rent as a share of renters' income | 23.1% | 29.1% | 30.6% |
| Median year homes were built | 1999 | 1971 | 1980 |
| Vacant homes | 9.9% | 7.7% | 10.1% |
| Population | 1,300 | 12,694,798 | 334,922,499 |
What a typical home costs per month in Cambria
At this week's average 30-year rate of 7.11%, buying the median Cambria home of $143,800 with 20% down costs about $988 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,228, 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 $42,359 for the 20%-down payment. That payment is 21% of the median Cambria household income of $57,756; at that income and 20% down, the 28% guideline points to a home of about $196,000.
The median rent here is $1,038 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $28,760 |
|---|---|
| Loan amount | $115,040 |
| Principal and interest | $774 |
| Property taxes (1.29% a year) | $155 |
| Homeowners insurance (our estimate, 0.5% a year) | $60 |
| PMI | $0 |
| Total per month | $988 |
Change the numbers in the calculator
| Down payment | $5,033 |
|---|---|
| Loan amount | $141,195 |
| Principal and interest | $950 |
| Property taxes (1.29% a year) | $155 |
| Homeowners insurance (our estimate, 0.5% a year) | $60 |
| FHA mortgage insurance | $64 |
| Total per month | $1,228 |
Change the numbers in the calculator
Questions about home buying in Cambria
What is the median home value in Cambria?
About $143,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Cambria?
Homeowners pay a median $1,860 a year, which is about 1.29% 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 Cambria?
For the median home with 20% down at 7.11%, the payment is about $988 a month. Keeping that under 28% of gross income takes about $42,359 a year.
More about Cambria
- Mortgage Refinance in Cambria
- Debt Relief in Cambria
- Home Equity Loans in Cambria
- 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