Mortgage Rates in Illinois — April 2026
Compare current mortgage rates across 147 cities in Illinois. The average 30-year fixed rate is 6.71%, which is 0.62% above the national average of 6.09%.
6.71%
Avg 30-Year Fixed
5.96%
Avg 15-Year Fixed
$231,269
Avg Home Price
$1,196/mo
Avg Monthly Payment
Illinois Housing Highlights
All 147 Cities in Illinois
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Chicago | 6.69% | $410,000 | $2,114 | 2,693,976 |
| Aurora | 6.74% | $260,000 | $1,348 | 180,542 |
| Joliet | 6.69% | $245,000 | $1,263 | 150,362 |
| Naperville | 6.69% | $465,000 | $2,398 | 149,540 |
| Rockford | 6.69% | $135,000 | $696 | 148,655 |
| Elgin | 6.73% | $281,000 | $1,455 | 114,797 |
| Springfield | 6.69% | $145,000 | $748 | 114,394 |
| Peoria | 6.69% | $115,000 | $593 | 113,150 |
| Waukegan | 6.62% | $257,000 | $1,316 | 88,826 |
| Champaign | 6.69% | $175,000 | $902 | 88,302 |
| Cicero | 6.75% | $245,000 | $1,271 | 83,891 |
| Schaumburg | 6.6% | $244,000 | $1,247 | 78,723 |
| Evanston | 6.6% | $279,000 | $1,425 | 78,110 |
| Arlington Heights | 6.69% | $289,000 | $1,490 | 77,676 |
| Bloomington | 6.69% | $195,000 | $1,006 | 77,104 |
| Bolingbrook | 6.68% | $277,000 | $1,427 | 74,039 |
| Decatur | 6.69% | $85,000 | $438 | 70,522 |
| Palatine | 6.8% | $264,000 | $1,377 | 69,144 |
| Skokie | 6.64% | $287,000 | $1,472 | 64,784 |
| Des Plaines | 6.66% | $246,000 | $1,265 | 59,773 |
| Orland Park | 6.8% | $291,000 | $1,518 | 58,720 |
| Tinley Park | 6.61% | $247,000 | $1,263 | 56,703 |
| Berwyn | 6.8% | $277,000 | $1,445 | 56,657 |
| Mount Prospect | 6.74% | $256,000 | $1,327 | 56,265 |
| Oak Lawn | 6.73% | $277,000 | $1,434 | 55,245 |
| Normal | 6.65% | $290,000 | $1,489 | 54,264 |
| Wheaton | 6.68% | $267,000 | $1,375 | 53,469 |
| Hoffman Estates | 6.83% | $287,000 | $1,501 | 52,398 |
| Oak Park | 6.66% | $261,000 | $1,342 | 52,233 |
| Downers Grove | 6.77% | $258,000 | $1,341 | 49,670 |
| Villa Park | 6.86% | $210,000 | $1,102 | 49,468 |
| New Athens | 6.61% | $235,000 | $1,202 | 48,662 |
| Glenview | 6.67% | $227,000 | $1,168 | 47,580 |
| Elmhurst | 6.82% | $217,000 | $1,134 | 46,756 |
| Plainfield | 6.65% | $217,000 | $1,114 | 44,762 |
| Belleville | 6.82% | $216,000 | $1,129 | 44,478 |
| Lombard | 6.7% | $271,000 | $1,399 | 44,050 |
| DeKalb | 6.77% | $224,000 | $1,165 | 42,849 |
| Metropolis | 6.86% | $285,000 | $1,496 | 42,290 |
| Moline | 6.79% | $260,000 | $1,355 | 41,836 |
| Bartlett | 6.63% | $228,000 | $1,169 | 41,679 |
| Buffalo Grove | 6.65% | $217,000 | $1,114 | 41,496 |
| Crystal Lake | 6.84% | $239,000 | $1,252 | 40,743 |
| Carol Stream | 6.67% | $252,000 | $1,297 | 40,438 |
| Streamwood | 6.74% | $231,000 | $1,197 | 39,858 |
| Romeoville | 6.82% | $227,000 | $1,186 | 39,680 |
| Quincy | 6.41% | $120,000 | $601 | 39,648 |
| Wheeling | 6.81% | $224,000 | $1,169 | 39,137 |
| Hanover Park | 6.87% | $265,000 | $1,392 | 38,510 |
| Urbana | 6.81% | $231,000 | $1,206 | 38,336 |
| Carpentersville | 6.69% | $256,000 | $1,320 | 38,241 |
| Park Ridge | 6.68% | $249,000 | $1,283 | 37,480 |
| Addison | 6.72% | $274,000 | $1,417 | 36,942 |
| Rock Island | 6.41% | $105,000 | $526 | 36,574 |
| Calumet City | 6.73% | $244,000 | $1,263 | 36,330 |
| Oswego | 6.87% | $229,000 | $1,203 | 36,097 |
| Glendale Heights | 6.65% | $262,000 | $1,346 | 34,208 |
| Wilmington | 6.65% | $250,000 | $1,284 | 33,823 |
| Woodridge | 6.89% | $224,000 | $1,179 | 33,468 |
| Cahokia Heights | 6.73% | $235,000 | $1,217 | 33,377 |
| St. Charles | 6.87% | $268,000 | $1,408 | 33,264 |
| Northbrook | 6.78% | $260,000 | $1,353 | 33,170 |
| Roscoe | 6.68% | $200,000 | $1,030 | 32,875 |
| Elk Grove Village | 6.88% | $237,000 | $1,246 | 32,750 |
| Pekin | 6.47% | $105,000 | $529 | 32,254 |
| O'Fallon | 6.63% | $225,000 | $1,153 | 31,977 |
| Mundelein | 6.7% | $243,000 | $1,254 | 31,064 |
| Gurnee | 6.68% | $237,000 | $1,221 | 30,771 |
| Danville | 6.78% | $65,000 | $338 | 30,477 |
| Carrollton | 6.63% | $235,000 | $1,204 | 30,441 |
| Algonquin | 6.72% | $220,000 | $1,138 | 30,046 |
| North Chicago | 6.65% | $241,000 | $1,238 | 29,887 |
| Niles | 6.87% | $223,000 | $1,171 | 29,803 |
| Huntley | 6.64% | $217,000 | $1,113 | 29,538 |
| Galesburg | 6.62% | $75,000 | $384 | 29,387 |
| Worth | 6.61% | $280,000 | $1,432 | 29,152 |
| Lake in the Hills | 6.87% | $258,000 | $1,355 | 28,965 |
| Burbank | 6.75% | $245,000 | $1,271 | 28,925 |
| Lansing | 6.65% | $256,000 | $1,315 | 28,331 |
| Granite City | 6.55% | $85,000 | $432 | 28,293 |
| Round Lake Beach | 6.69% | $216,000 | $1,114 | 28,175 |
| Glen Ellyn | 6.86% | $246,000 | $1,291 | 28,060 |
| Clinton | 6.7% | $290,000 | $1,497 | 27,513 |
| Oak Forest | 6.84% | $273,000 | $1,430 | 27,403 |
| New Lenox | 6.89% | $259,000 | $1,363 | 27,400 |
| West Chicago | 6.73% | $248,000 | $1,284 | 27,086 |
| Savoy | 6.67% | $175,000 | $901 | 26,996 |
| McHenry | 6.87% | $239,000 | $1,255 | 26,992 |
| Batavia | 6.9% | $243,000 | $1,280 | 26,786 |
| West Dundee | 6.62% | $175,000 | $896 | 26,377 |
| Vernon Hills | 6.65% | $230,000 | $1,181 | 26,240 |
| Woodstock | 6.8% | $271,000 | $1,413 | 25,700 |
| Lockport | 6.89% | $272,000 | $1,432 | 25,644 |
| Belvidere | 6.77% | $236,000 | $1,227 | 25,585 |
| Carbondale | 6.24% | $115,000 | $566 | 25,567 |
| Collinsville | 6.32% | $155,000 | $769 | 25,412 |
| Kankakee | 6.83% | $219,000 | $1,146 | 25,381 |
| Edwardsville | 6.24% | $255,000 | $1,255 | 25,332 |
| Fisher | 6.84% | $142,500 | $746 | 24,923 |
| Westmont | 6.71% | $213,000 | $1,101 | 24,735 |
| Elmwood Park | 6.73% | $234,000 | $1,212 | 24,731 |
| East St. Louis | 6.67% | $220,000 | $1,132 | 24,710 |
| Homer Glen | 6.89% | $250,000 | $1,316 | 24,560 |
| Zion | 6.63% | $246,000 | $1,261 | 24,413 |
| Harvey | 6.81% | $251,000 | $1,310 | 24,295 |
| Deer Creek | 6.76% | $132,500 | $688 | 24,108 |
| Maywood | 6.75% | $247,000 | $1,282 | 24,090 |
| South Elgin | 6.84% | $241,000 | $1,262 | 24,032 |
| Loves Park | 6.71% | $238,000 | $1,230 | 23,996 |
| Machesney Park | 6.78% | $237,000 | $1,234 | 23,499 |
| Freeport | 6.7% | $248,000 | $1,280 | 23,435 |
| East Peoria | 6.64% | $213,000 | $1,093 | 23,402 |
| Lisle | 6.75% | $212,000 | $1,100 | 23,270 |
| Spring Valley | 6.77% | $285,000 | $1,482 | 22,740 |
| Yorkville | 6.65% | $219,000 | $1,125 | 22,025 |
| South Holland | 6.7% | $222,000 | $1,146 | 21,538 |
| Park Forest | 6.77% | $218,000 | $1,133 | 21,232 |
| Frankfort | 6.61% | $234,000 | $1,197 | 21,160 |
| Mokena | 6.78% | $250,000 | $1,301 | 21,136 |
| Crest Hill | 6.64% | $223,000 | $1,144 | 21,078 |
| Olympia Fields | 6.74% | $220,000 | $1,140 | 20,745 |
| Libertyville | 6.61% | $215,000 | $1,100 | 20,315 |
| Metamora | 6.87% | $197,500 | $1,037 | 20,217 |
| Evergreen Park | 6.77% | $239,000 | $1,243 | 19,852 |
| Lake Zurich | 6.81% | $233,000 | $1,216 | 19,631 |
| Bushnell | 6.68% | $220,000 | $1,133 | 19,603 |
| Tremont | 6.74% | $215,000 | $1,114 | 19,559 |
| Lincoln | 6.65% | $195,000 | $1,001 | 19,553 |
| Rossville | 6.62% | $250,000 | $1,280 | 19,084 |
| Matteson | 6.74% | $216,000 | $1,120 | 19,009 |
| Jacksonville | 6.7% | $255,000 | $1,316 | 18,940 |
| Ottawa | 6.84% | $257,000 | $1,346 | 18,850 |
| Westchester | 6.68% | $290,000 | $1,494 | 18,633 |
| Savanna | 6.72% | $200,000 | $1,035 | 18,398 |
| Markham | 6.82% | $235,000 | $1,228 | 18,335 |
| North Aurora | 6.6% | $245,000 | $1,252 | 18,254 |
| Shorewood | 6.73% | $213,000 | $1,103 | 17,525 |
| Mattoon | 6.72% | $241,000 | $1,247 | 17,053 |
| Morton | 6.85% | $216,000 | $1,132 | 17,012 |
| Washington | 6.68% | $239,000 | $1,231 | 16,478 |
| Sterling | 6.85% | $229,000 | $1,200 | 14,785 |
| Swansea | 6.75% | $253,000 | $1,313 | 14,584 |
| Rantoul | 6.79% | $211,000 | $1,099 | 12,941 |
| Glen Carbon | 6.13% | $225,000 | $1,095 | 12,837 |
| Effingham | 6.8% | $212,000 | $1,106 | 12,604 |
| Pontiac | 6.77% | $218,000 | $1,133 | 11,931 |
| River Forest | 6.83% | $255,000 | $1,334 | 11,635 |
Illinois Mortgage Rates Guide — 2026
Illinois homebuyers currently see an average 30-year fixed mortgage rate of 6.71%, with median home prices around $231,269. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,196.
The most affordable city for homebuyers in Illinois is Danville, where the median home price is $65,000. On the other end, Naperville has the highest prices at $465,000. Property tax rates across the state average 2.06%.
To comfortably afford a home at the state average price, a household income of approximately $51,257 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Illinois Mortgages
What are current mortgage rates in Illinois?
As of April 2026, the average 30-year fixed mortgage rate in Illinois is 6.71% and the 15-year fixed rate averages 5.96%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Illinois?
The median home price across 147 cities in Illinois is $231,269. Prices range from $65,000 in Danville to $465,000 in Naperville.
How much income do I need to buy a house in Illinois?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $51,257 to comfortably afford the average home in Illinois. The median household income in the state is approximately $60,508.
Illinois Mortgage Rates by ZIP Code
Explore mortgage rates for specific ZIP codes in Illinois. Rates can vary by neighborhood based on local property values and lending conditions.
ZIP 60633
Chicago | 6.67% | $290,429
ZIP 60631
Chicago | 6.79% | $293,718
ZIP 60622
Chicago | 6.76% | $284,856
ZIP 60627
Chicago | 6.72% | $303,187
ZIP 60640
Chicago | 6.77% | $285,822
ZIP 60608
Chicago | 6.62% | $309,677
ZIP 60641
Chicago | 6.78% | $281,135
ZIP 60601
Chicago | 6.62% | $295,040
ZIP 60647
Chicago | 6.67% | $305,097
ZIP 60613
Chicago | 6.66% | $282,242
ZIP 60632
Chicago | 6.77% | $298,447
ZIP 60635
Chicago | 6.63% | $295,267
ZIP 60607
Chicago | 6.74% | $293,125
ZIP 60637
Chicago | 6.64% | $302,670
ZIP 60609
Chicago | 6.6% | $285,985
ZIP 60618
Chicago | 6.68% | $306,087
ZIP 60619
Chicago | 6.68% | $296,279
ZIP 60648
Chicago | 6.79% | $292,996
ZIP 60645
Chicago | 6.64% | $295,626
ZIP 60616
Chicago | 6.63% | $295,454
ZIP 60642
Chicago | 6.76% | $289,342
ZIP 60604
Chicago | 6.67% | $298,139
ZIP 60605
Chicago | 6.7% | $301,370
ZIP 60615
Chicago | 6.66% | $290,674
ZIP 60620
Chicago | 6.6% | $287,618
ZIP 60630
Chicago | 6.64% | $300,567
ZIP 60634
Chicago | 6.63% | $298,153
ZIP 60639
Chicago | 6.73% | $304,121
ZIP 60628
Chicago | 6.74% | $302,967
ZIP 60504
Aurora | 6.72% | $265,203
ZIP 60626
Chicago | 6.77% | $287,600
ZIP 60623
Chicago | 6.76% | $304,201
ZIP 60614
Chicago | 6.7% | $286,299
ZIP 60646
Chicago | 6.65% | $287,732
ZIP 60649
Chicago | 6.71% | $299,945
ZIP 60503
Aurora | 6.67% | $261,282
ZIP 60603
Chicago | 6.68% | $303,121
ZIP 60602
Chicago | 6.75% | $300,823
ZIP 60624
Chicago | 6.73% | $289,459
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