Market Overview
Home Prices in Ogden, IL
The median home value in Ogden, IL is $230,667 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 9% compared to a year ago and up 4.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ogden are priced44% below average. Ogden is part of the Champaign-Urbana, IL metro area.
Over the past five years, Ogden home values have risen by approximately41.1%, reflecting strong long-term appreciation in this market.
Price History
Ogden Home Price Trend
City Comparison
Ogden vs. National Median
At $230,667, homes in Ogden cost 44% below the national median of $410,000. This makes Ogden a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Ogden?
20% Down Payment
$46,133
on $230,667
Monthly P&I
$1,203/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,528/mo
incl. taxes & insurance
Income Needed
$61,120
gross annual (30% rule)
10% Down Option
$23,067
+ PMI applies
Loan Amount (20% dn)
$184,534
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 Ogden, IL?
The median home value in Ogden is $230,667 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 9% year-over-year.
How much have home prices changed in Ogden?
Over the past year, home values in Ogden have increased by 9%. Over five years, prices have risen approximately 41.1%.
How much do I need to earn to buy a home in Ogden?
To comfortably afford the median home price of $230,667 with a 20% down payment ($46,133) at today's rates (6.8%), you'd need a gross annual income of approximately $61,120. This assumes keeping total housing costs at or below 30% of gross income.
How does Ogden compare to the national average home price?
The national median home value is approximately $410,000. At $230,667, homes in Ogden are 44% below the national average.
What metro area is Ogden part of?
Ogden is part of the Champaign-Urbana, IL metropolitan area. Home prices and market conditions can vary across the broader metro region.