Market Overview
Home Prices in Ladd, IL
The median home value in Ladd, IL is $140,310 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.5% compared to a year ago and up 7.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ladd are priced66% below average. Ladd is part of the Ottawa, IL metro area.
Over the past five years, Ladd home values have risen by approximately30.0%, reflecting strong long-term appreciation in this market.
Price History
Ladd Home Price Trend
2020
$95,659
$96K
—
2021
$107,960
$108K
+12.9%
2022
$109,012
$109K
+1.0%
2023
$121,592
$122K
+11.5%
2024
$125,059
$125K
+2.9%
2025
$134,258
$134K
+7.4%
2026
$140,310
$140K
+4.5%
City Comparison
Ladd vs. National Median
🏠 Ladd
$140,310
National Median
$410,000
At $140,310, homes in Ladd cost 66% below the national median of $410,000. This makes Ladd a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Ladd?
20% Down Payment
$28,062
on $140,310
Monthly P&I
$732/mo
30-yr @ 6.8%
Total Monthly Est.
~$930/mo
incl. taxes & insurance
Income Needed
$37,200
gross annual (30% rule)
10% Down Option
$14,031
+ PMI applies
Loan Amount (20% dn)
$112,248
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 Ladd, IL?
The median home value in Ladd is $140,310 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.5% year-over-year.
How much have home prices changed in Ladd?
Over the past year, home values in Ladd have increased by 4.5%. Over five years, prices have risen approximately 30.0%.
How much do I need to earn to buy a home in Ladd?
To comfortably afford the median home price of $140,310 with a 20% down payment ($28,062) at today's rates (6.8%), you'd need a gross annual income of approximately $37,200. This assumes keeping total housing costs at or below 30% of gross income.
How does Ladd compare to the national average home price?
The national median home value is approximately $410,000. At $140,310, homes in Ladd are 66% below the national average.
What metro area is Ladd part of?
Ladd is part of the Ottawa, IL metropolitan area. Home prices and market conditions can vary across the broader metro region.