Market Overview
Home Prices in Kempton, IL
The median home value in Kempton, IL is $170,077 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 9.2% 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 Kempton are priced59% below average. Kempton is part of the Pontiac, IL metro area.
Over the past five years, Kempton home values have risen by approximately19.8%, reflecting steady appreciation in this market.
Price History
Kempton Home Price Trend
2020
$132,244
$132K
—
2021
$141,938
$142K
+7.3%
2022
$148,441
$148K
+4.6%
2023
$138,686
$139K
-6.6%
2024
$150,129
$150K
+8.3%
2025
$155,788
$156K
+3.8%
2026
$170,077
$170K
+9.2%
City Comparison
Kempton vs. National Median
🏠 Kempton
$170,077
National Median
$410,000
At $170,077, homes in Kempton cost 59% below the national median of $410,000. This makes Kempton a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Kempton?
20% Down Payment
$34,015
on $170,077
Monthly P&I
$887/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,126/mo
incl. taxes & insurance
Income Needed
$45,040
gross annual (30% rule)
10% Down Option
$17,008
+ PMI applies
Loan Amount (20% dn)
$136,062
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 Kempton, IL?
The median home value in Kempton is $170,077 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 9.2% year-over-year.
How much have home prices changed in Kempton?
Over the past year, home values in Kempton have increased by 9.2%. Over five years, prices have risen approximately 19.8%.
How much do I need to earn to buy a home in Kempton?
To comfortably afford the median home price of $170,077 with a 20% down payment ($34,015) at today's rates (6.8%), you'd need a gross annual income of approximately $45,040. This assumes keeping total housing costs at or below 30% of gross income.
How does Kempton compare to the national average home price?
The national median home value is approximately $410,000. At $170,077, homes in Kempton are 59% below the national average.
What metro area is Kempton part of?
Kempton is part of the Pontiac, IL metropolitan area. Home prices and market conditions can vary across the broader metro region.