Market Overview
Home Prices in Pontoon Beach, IL
The median home value in Pontoon Beach, IL is $195,722 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.9% compared to a year ago and up 2.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Pontoon Beach are priced52% below average. Pontoon Beach is part of the St. Louis, MO-IL metro area.
Over the past five years, Pontoon Beach home values have risen by approximately36.9%, reflecting strong long-term appreciation in this market.
Price History
Pontoon Beach Home Price Trend
City Comparison
Pontoon Beach vs. National Median
At $195,722, homes in Pontoon Beach cost 52% below the national median of $410,000. This makes Pontoon Beach a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Pontoon Beach?
20% Down Payment
$39,144
on $195,722
Monthly P&I
$1,021/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,297/mo
incl. taxes & insurance
Income Needed
$51,880
gross annual (30% rule)
10% Down Option
$19,572
+ PMI applies
Loan Amount (20% dn)
$156,578
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 Pontoon Beach, IL?
The median home value in Pontoon Beach is $195,722 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.9% year-over-year.
How much have home prices changed in Pontoon Beach?
Over the past year, home values in Pontoon Beach have increased by 5.9%. Over five years, prices have risen approximately 36.9%.
How much do I need to earn to buy a home in Pontoon Beach?
To comfortably afford the median home price of $195,722 with a 20% down payment ($39,144) at today's rates (6.8%), you'd need a gross annual income of approximately $51,880. This assumes keeping total housing costs at or below 30% of gross income.
How does Pontoon Beach compare to the national average home price?
The national median home value is approximately $410,000. At $195,722, homes in Pontoon Beach are 52% below the national average.
What metro area is Pontoon Beach part of?
Pontoon Beach is part of the St. Louis, MO-IL metropolitan area. Home prices and market conditions can vary across the broader metro region.