62610 — Scott County, Illinois Market Snapshot
Housing market data for zip code 62610 in Scott County, Illinois. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Scott County county page for broader data.
Market Sales Data
1 sales in 2025
Median Sale Price
$25,000
Days to Sell
63
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 62610 can comfortably use conventional financing. The median home price of $25,000 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
With homes sitting for 63 days on average, 62610 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 62610 can comfortably use conventional financing. The median home price of $25,000 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 62610 are set at the county level.
2026 Loan Limits — Scott 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 62610
To purchase the median home at $25,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $342.
Monthly Payment
$342
Income Required
$14,637
Principal & Interest
$154/mo
Down Payment (5%)
$1,250
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 62610.
Estimated Monthly Payment
$305
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