61073 — Boone County, Illinois Market Snapshot
Housing market data for zip code 61073 in Boone County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$175,700
Days to Sell
15
Homes Sold
12
Inventory
2
Sale-to-List
99.0%
New Listings
10
Price/SqFt
$127
Pending Sales
10
Conforming Loan Available
Most homebuyers in 61073 can comfortably use conventional financing. The median home price of $175,700 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 61073 are moving quickly at 15 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 61073 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 61073 can comfortably use conventional financing. The median home price of $175,700 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 61073 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 61073
To purchase the median home at $175,700 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,496.
Monthly Payment
$1,496
Income Required
$64,121
Principal & Interest
$1,083/mo
Down Payment (5%)
$8,785
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 61073.
Estimated Monthly Payment
$1,237
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