Market Overview
Home Prices in Hartford, IL
The median home value in Hartford, IL is $81,306 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3% compared to a year ago and down 8.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Hartford are priced80% below average. Hartford is part of the St. Louis, MO-IL metro area.
Over the past five years, Hartford home values have risen by approximately7.6%, reflecting steady appreciation in this market.
Price History
Hartford Home Price Trend
City Comparison
Hartford vs. National Median
At $81,306, homes in Hartford cost 80% below the national median of $410,000. This makes Hartford a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Hartford?
20% Down Payment
$16,261
on $81,306
Monthly P&I
$424/mo
30-yr @ 6.8%
Total Monthly Est.
~$538/mo
incl. taxes & insurance
Income Needed
$21,520
gross annual (30% rule)
10% Down Option
$8,131
+ PMI applies
Loan Amount (20% dn)
$65,045
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 Hartford, IL?
The median home value in Hartford is $81,306 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3% year-over-year.
How much have home prices changed in Hartford?
Over the past year, home values in Hartford have increased by 3%. Over five years, prices have risen approximately 7.6%.
How much do I need to earn to buy a home in Hartford?
To comfortably afford the median home price of $81,306 with a 20% down payment ($16,261) at today's rates (6.8%), you'd need a gross annual income of approximately $21,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Hartford compare to the national average home price?
The national median home value is approximately $410,000. At $81,306, homes in Hartford are 80% below the national average.
What metro area is Hartford part of?
Hartford is part of the St. Louis, MO-IL metropolitan area. Home prices and market conditions can vary across the broader metro region.