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📍 Harmon, IL · Zillow ZHVI · July 2026

Average Home Price in
Harmon, IL

Dixon, IL metro area · Lee County County

Median Home Value
$219,161
↑ 7.3% year-over-year
vs. National Median
$410,000
Harmon is 47% below
Est. Monthly Payment
$1,143/mo
20% down · 6.8% rate
Income Needed
$58K
gross annual (30% rule)
Median Home Value
$219,161
↑ 7.3% year-over-year
Down Payment (20%)$43,832
Monthly P&I$1,143/mo
With Taxes & Ins.~$1,452/mo
Income Needed$58,080/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Harmon, IL

The median home value in Harmon, IL is $219,161 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 7.3% compared to a year ago and up 2.2% from two years prior.

Compared to the U.S. national median of $410,000, homes in Harmon are priced47% below average. Harmon is part of the Dixon, IL metro area.

City Comparison

Harmon vs. National Median

🏠 Harmon
$219,161
National Median
$410,000

At $219,161, homes in Harmon cost 47% below the national median of $410,000. This makes Harmon a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Harmon?

20% Down Payment
$43,832
on $219,161
Monthly P&I
$1,143/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,452/mo
incl. taxes & insurance
Income Needed
$58,080
gross annual (30% rule)
10% Down Option
$21,916
+ PMI applies
Loan Amount (20% dn)
$175,329
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 Harmon, IL?
The median home value in Harmon is $219,161 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 7.3% year-over-year.
How much have home prices changed in Harmon?
Over the past year, home values in Harmon have increased by 7.3%.
How much do I need to earn to buy a home in Harmon?
To comfortably afford the median home price of $219,161 with a 20% down payment ($43,832) at today's rates (6.8%), you'd need a gross annual income of approximately $58,080. This assumes keeping total housing costs at or below 30% of gross income.
How does Harmon compare to the national average home price?
The national median home value is approximately $410,000. At $219,161, homes in Harmon are 47% below the national average.
What metro area is Harmon part of?
Harmon is part of the Dixon, IL metropolitan area. Home prices and market conditions can vary across the broader metro region.