Market Overview
Home Prices in Saint Jacob, IL
The median home value in Saint Jacob, IL is $356,796 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.8% compared to a year ago and up 2.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Saint Jacob are priced13% below average. Saint Jacob is part of the St. Louis, MO-IL metro area.
Over the past five years, Saint Jacob home values have risen by approximately27.8%, reflecting strong long-term appreciation in this market.
Price History
Saint Jacob Home Price Trend
City Comparison
Saint Jacob vs. National Median
At $356,796, homes in Saint Jacob cost 13% below the national median of $410,000. This makes Saint Jacob a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Saint Jacob?
20% Down Payment
$71,359
on $356,796
Monthly P&I
$1,861/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,363/mo
incl. taxes & insurance
Income Needed
$94,520
gross annual (30% rule)
10% Down Option
$35,680
+ PMI applies
Loan Amount (20% dn)
$285,437
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 Saint Jacob, IL?
The median home value in Saint Jacob is $356,796 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.8% year-over-year.
How much have home prices changed in Saint Jacob?
Over the past year, home values in Saint Jacob have increased by 4.8%. Over five years, prices have risen approximately 27.8%.
How much do I need to earn to buy a home in Saint Jacob?
To comfortably afford the median home price of $356,796 with a 20% down payment ($71,359) at today's rates (6.8%), you'd need a gross annual income of approximately $94,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Saint Jacob compare to the national average home price?
The national median home value is approximately $410,000. At $356,796, homes in Saint Jacob are 13% below the national average.
What metro area is Saint Jacob part of?
Saint Jacob is part of the St. Louis, MO-IL metropolitan area. Home prices and market conditions can vary across the broader metro region.