61065 — Boone County, Illinois Market Snapshot
Housing market data for zip code 61065 in Boone County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$256,250
Days to Sell
21
Homes Sold
30
Inventory
21
Sale-to-List
99.0%
New Listings
36
Price/SqFt
$136
Pending Sales
34
Conforming Loan Available
Most homebuyers in 61065 can comfortably use conventional financing. The median home price of $256,250 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
Homes in 61065 are moving quickly at 21 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 61065 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 61065 can comfortably use conventional financing. The median home price of $256,250 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 61065 are set at the county level.
2026 Loan Limits — Boone 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 61065
To purchase the median home at $256,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,113.
Monthly Payment
$2,113
Income Required
$90,570
Principal & Interest
$1,579/mo
Down Payment (5%)
$12,813
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 61065.
Estimated Monthly Payment
$1,736
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