Market Overview
Home Prices in Carlinville, IL
The median home value in Carlinville, IL is $147,482 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8.1% compared to a year ago and down 1.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Carlinville are priced64% below average. Carlinville is part of the St. Louis, MO-IL metro area.
Over the past five years, Carlinville home values have risen by approximately13.9%, reflecting steady appreciation in this market.
Price History
Carlinville Home Price Trend
City Comparison
Carlinville vs. National Median
At $147,482, homes in Carlinville cost 64% below the national median of $410,000. This makes Carlinville a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Carlinville?
20% Down Payment
$29,496
on $147,482
Monthly P&I
$769/mo
30-yr @ 6.8%
Total Monthly Est.
~$977/mo
incl. taxes & insurance
Income Needed
$39,080
gross annual (30% rule)
10% Down Option
$14,748
+ PMI applies
Loan Amount (20% dn)
$117,986
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Carlinville, IL?
The median home value in Carlinville is $147,482 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8.1% year-over-year.
How much have home prices changed in Carlinville?
Over the past year, home values in Carlinville have increased by 8.1%. Over five years, prices have risen approximately 13.9%.
How much do I need to earn to buy a home in Carlinville?
To comfortably afford the median home price of $147,482 with a 20% down payment ($29,496) at today's rates (6.8%), you'd need a gross annual income of approximately $39,080. This assumes keeping total housing costs at or below 30% of gross income.
How does Carlinville compare to the national average home price?
The national median home value is approximately $410,000. At $147,482, homes in Carlinville are 64% below the national average.
What metro area is Carlinville part of?
Carlinville is part of the St. Louis, MO-IL metropolitan area. Home prices and market conditions can vary across the broader metro region.