Market Overview
Home Prices in Steward, IL
The median home value in Steward, IL is $287,936 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 9.5% compared to a year ago and up 3.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Steward are priced30% below average. Steward is part of the Dixon, IL metro area.
Price History
Steward Home Price Trend
2022
$236,707
$237K
—
2023
$229,490
$229K
-3.0%
2024
$255,029
$255K
+11.1%
2025
$262,904
$263K
+3.1%
2026
$287,936
$288K
+9.5%
City Comparison
Steward vs. National Median
🏠 Steward
$287,936
National Median
$410,000
At $287,936, homes in Steward cost 30% below the national median of $410,000. This makes Steward a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Steward?
20% Down Payment
$57,587
on $287,936
Monthly P&I
$1,502/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,908/mo
incl. taxes & insurance
Income Needed
$76,320
gross annual (30% rule)
10% Down Option
$28,794
+ PMI applies
Loan Amount (20% dn)
$230,349
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 Steward, IL?
The median home value in Steward is $287,936 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 9.5% year-over-year.
How much have home prices changed in Steward?
Over the past year, home values in Steward have increased by 9.5%.
How much do I need to earn to buy a home in Steward?
To comfortably afford the median home price of $287,936 with a 20% down payment ($57,587) at today's rates (6.8%), you'd need a gross annual income of approximately $76,320. This assumes keeping total housing costs at or below 30% of gross income.
How does Steward compare to the national average home price?
The national median home value is approximately $410,000. At $287,936, homes in Steward are 30% below the national average.
What metro area is Steward part of?
Steward is part of the Dixon, IL metropolitan area. Home prices and market conditions can vary across the broader metro region.