Market Overview
Home Prices in Fulton, IL
The median home value in Fulton, IL is $167,161 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.8% compared to a year ago and up 4.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Fulton are priced59% below average. Fulton is part of the Sterling, IL metro area.
Over the past five years, Fulton home values have risen by approximately24.1%, reflecting strong long-term appreciation in this market.
Price History
Fulton Home Price Trend
City Comparison
Fulton vs. National Median
At $167,161, homes in Fulton cost 59% below the national median of $410,000. This makes Fulton a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Fulton?
20% Down Payment
$33,432
on $167,161
Monthly P&I
$872/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,107/mo
incl. taxes & insurance
Income Needed
$44,280
gross annual (30% rule)
10% Down Option
$16,716
+ PMI applies
Loan Amount (20% dn)
$133,729
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 Fulton, IL?
The median home value in Fulton is $167,161 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.8% year-over-year.
How much have home prices changed in Fulton?
Over the past year, home values in Fulton have increased by 4.8%. Over five years, prices have risen approximately 24.1%.
How much do I need to earn to buy a home in Fulton?
To comfortably afford the median home price of $167,161 with a 20% down payment ($33,432) at today's rates (6.8%), you'd need a gross annual income of approximately $44,280. This assumes keeping total housing costs at or below 30% of gross income.
How does Fulton compare to the national average home price?
The national median home value is approximately $410,000. At $167,161, homes in Fulton are 59% below the national average.
What metro area is Fulton part of?
Fulton is part of the Sterling, IL metropolitan area. Home prices and market conditions can vary across the broader metro region.