Market Overview
Home Prices in Vandalia, IL
The median home value in Vandalia, IL is $130,570 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 6.4% compared to a year ago and up 2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Vandalia are priced68% below average.
Over the past five years, Vandalia home values have risen by approximately21.1%, reflecting strong long-term appreciation in this market.
Price History
Vandalia Home Price Trend
2020
$106,660
$107K
—
2021
$107,801
$108K
+1.1%
2022
$124,480
$124K
+15.5%
2023
$126,685
$127K
+1.8%
2024
$136,719
$137K
+7.9%
2025
$139,518
$140K
+2.0%
2026
$130,570
$131K
-6.4%
City Comparison
Vandalia vs. National Median
🏠 Vandalia
$130,570
National Median
$410,000
At $130,570, homes in Vandalia cost 68% below the national median of $410,000. This makes Vandalia a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Vandalia?
20% Down Payment
$26,114
on $130,570
Monthly P&I
$681/mo
30-yr @ 6.8%
Total Monthly Est.
~$865/mo
incl. taxes & insurance
Income Needed
$34,600
gross annual (30% rule)
10% Down Option
$13,057
+ PMI applies
Loan Amount (20% dn)
$104,456
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 Vandalia, IL?
The median home value in Vandalia is $130,570 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 6.4% year-over-year.
How much have home prices changed in Vandalia?
Over the past year, home values in Vandalia have decreased by 6.4%. Over five years, prices have risen approximately 21.1%.
How much do I need to earn to buy a home in Vandalia?
To comfortably afford the median home price of $130,570 with a 20% down payment ($26,114) at today's rates (6.8%), you'd need a gross annual income of approximately $34,600. This assumes keeping total housing costs at or below 30% of gross income.
How does Vandalia compare to the national average home price?
The national median home value is approximately $410,000. At $130,570, homes in Vandalia are 68% below the national average.