Market Overview
Home Prices in Cisco, IL
The median home value in Cisco, IL is $198,285 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 2.2% compared to a year ago and up 3.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cisco are priced52% below average. Cisco is part of the Champaign-Urbana, IL metro area.
Over the past five years, Cisco home values have risen by approximately8.5%, reflecting steady appreciation in this market.
Price History
Cisco Home Price Trend
2020
$169,391
$169K
—
2021
$182,697
$183K
+7.9%
2022
$194,080
$194K
+6.2%
2023
$192,877
$193K
-0.6%
2024
$195,412
$195K
+1.3%
2025
$202,768
$203K
+3.8%
2026
$198,285
$198K
-2.2%
City Comparison
Cisco vs. National Median
🏠 Cisco
$198,285
National Median
$410,000
At $198,285, homes in Cisco cost 52% below the national median of $410,000. This makes Cisco a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cisco?
20% Down Payment
$39,657
on $198,285
Monthly P&I
$1,034/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,313/mo
incl. taxes & insurance
Income Needed
$52,520
gross annual (30% rule)
10% Down Option
$19,829
+ PMI applies
Loan Amount (20% dn)
$158,628
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 Cisco, IL?
The median home value in Cisco is $198,285 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 2.2% year-over-year.
How much have home prices changed in Cisco?
Over the past year, home values in Cisco have decreased by 2.2%. Over five years, prices have risen approximately 8.5%.
How much do I need to earn to buy a home in Cisco?
To comfortably afford the median home price of $198,285 with a 20% down payment ($39,657) at today's rates (6.8%), you'd need a gross annual income of approximately $52,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Cisco compare to the national average home price?
The national median home value is approximately $410,000. At $198,285, homes in Cisco are 52% below the national average.
What metro area is Cisco part of?
Cisco is part of the Champaign-Urbana, IL metropolitan area. Home prices and market conditions can vary across the broader metro region.