Market Overview
Home Prices in Girard, IL
The median home value in Girard, IL is $157,308 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 7.5% compared to a year ago and down 2.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Girard are priced62% below average. Girard is part of the St. Louis, MO-IL metro area.
Over the past five years, Girard home values have risen by approximately11.7%, reflecting steady appreciation in this market.
Price History
Girard Home Price Trend
2020
$138,868
$139K
—
2021
$140,843
$141K
+1.4%
2022
$146,575
$147K
+4.1%
2023
$141,881
$142K
-3.2%
2024
$150,124
$150K
+5.8%
2025
$146,357
$146K
-2.5%
2026
$157,308
$157K
+7.5%
City Comparison
Girard vs. National Median
🏠 Girard
$157,308
National Median
$410,000
At $157,308, homes in Girard cost 62% below the national median of $410,000. This makes Girard a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Girard?
20% Down Payment
$31,462
on $157,308
Monthly P&I
$820/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,041/mo
incl. taxes & insurance
Income Needed
$41,640
gross annual (30% rule)
10% Down Option
$15,731
+ PMI applies
Loan Amount (20% dn)
$125,846
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 Girard, IL?
The median home value in Girard is $157,308 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 7.5% year-over-year.
How much have home prices changed in Girard?
Over the past year, home values in Girard have increased by 7.5%. Over five years, prices have risen approximately 11.7%.
How much do I need to earn to buy a home in Girard?
To comfortably afford the median home price of $157,308 with a 20% down payment ($31,462) at today's rates (6.8%), you'd need a gross annual income of approximately $41,640. This assumes keeping total housing costs at or below 30% of gross income.
How does Girard compare to the national average home price?
The national median home value is approximately $410,000. At $157,308, homes in Girard are 62% below the national average.
What metro area is Girard part of?
Girard is part of the St. Louis, MO-IL metropolitan area. Home prices and market conditions can vary across the broader metro region.