62301 — Adams County, Illinois Market Snapshot
Housing market data for zip code 62301 in Adams County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
104 sales in 2026 (year to date)
Median Sale Price
$152,200
Days to Sell
48
Homes Sold
104
Inventory
96
Sale-to-List
96.5%
New Listings
139
Price/SqFt
$104
Pending Sales
124
Conforming Loan Available
Most homebuyers in 62301 can comfortably use conventional financing. The median home price of $152,200 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
62301's market is balanced with homes taking an average of 48 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 62301 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 62301 can comfortably use conventional financing. The median home price of $152,200 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 62301 are set at the county level.
2026 Loan Limits — Adams County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 62301
To purchase the median home at $152,200 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,316.
Monthly Payment
$1,316
Income Required
$56,405
Principal & Interest
$938/mo
Down Payment (5%)
$7,610
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 62301.
Estimated Monthly Payment
$1,092
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