The typical owner-occupied home in Congerville is worth about $200,000, 24% below the Illinois median of $263,300 and 40% below the national median of $332,700. Owners pay a median $4,420 a year in property taxes, about 2.21% of their home's value, higher than the Illinois rate of 2.01%. The median household earns $81,250 a year, so the median home costs 2.5 times the median income (3.2 times for Illinois). 79% of occupied homes here are lived in by their owners, and 73% of those owners still have a mortgage.
Congerville at a glance
| Congerville | Illinois | U.S. | |
|---|---|---|---|
| Median home value | $200,000 | $263,300 | $332,700 |
| Median property tax paid per year | $4,420 | $5,298 | $3,119 |
| Property tax as a share of value | 2.21% | 2.01% | 0.94% |
| Median household income | $81,250 | $83,390 | $80,734 |
| Homes lived in by their owners | 79% | 67% | 65% |
| Owner homes with a mortgage | 73% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,638 | $1,987 | $1,963 |
| Those costs as a share of the owners' income | 23.1% | 20.6% | 21.0% |
| Median rent | $1,054 | $1,274 | $1,413 |
| Rent as a share of renters' income | 20.0% | 29.1% | 30.6% |
| Median year homes were built | 1972 | 1971 | 1980 |
| Vacant homes | 3.7% | 7.7% | 10.1% |
| Population | 752 | 12,694,798 | 334,922,499 |
What a typical home costs per month in Congerville
At this week's average 30-year rate of 7.11%, buying the median Congerville home of $200,000 with 20% down costs about $1,528 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,861, 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 $65,486 for the 20%-down payment. That payment is 23% of the median Congerville household income of $81,250; at that income and 20% down, the 28% guideline points to a home of about $248,000.
The median rent here is $1,054 a month, so owning the median home costs about $474 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $40,000 |
|---|---|
| Loan amount | $160,000 |
| Principal and interest | $1,076 |
| Property taxes (2.21% a year) | $368 |
| Homeowners insurance (our estimate, 0.5% a year) | $83 |
| PMI | $0 |
| Total per month | $1,528 |
Change the numbers in the calculator
| Down payment | $7,000 |
|---|---|
| Loan amount | $196,378 |
| Principal and interest | $1,321 |
| Property taxes (2.21% a year) | $368 |
| Homeowners insurance (our estimate, 0.5% a year) | $83 |
| FHA mortgage insurance | $88 |
| Total per month | $1,861 |
Change the numbers in the calculator
Questions about home buying in Congerville
What is the median home value in Congerville?
About $200,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Congerville?
Homeowners pay a median $4,420 a year, which is about 2.21% 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 Congerville?
For the median home with 20% down at 7.11%, the payment is about $1,528 a month. Keeping that under 28% of gross income takes about $65,486 a year.
More about Congerville
- Mortgage Refinance in Congerville
- Debt Relief in Congerville
- Home Equity Loans in Congerville
- 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