Housing decision brief
Livingston County, IL Housing Market
Livingston County screens as a higher purchase price, rent that needs comparison, a higher tax-rate signal market. Use the page as a decision brief, not just a price lookup, because local income, taxes, and data confidence change how affordable the county really is.
56th lowest home value out of 102 Illinois counties with data | 73rd lowest rent out of 102
Median home value
$131,500
Purchase-price signal from Census ACS.
Median rent
$855/mo
Gross rent, including utilities where reported.
Monthly owner cost
$950/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
1.9x
Median home value divided by local household income.
Rent burden
23.0%
Below 30% usually screens as less pressured.
Rent vs own
$95/mo
Median rent screens below owner cost.
Data confidence
1 note
Crime coverage is partial, so safety comparisons need source context.
What Works
Rent burden below pressure line
23.00% of renter income goes to rent, below the 30% burden threshold.
What to Check
Tax rate needs attention
2.18% effective property-tax rate is 9% above Illinois county median
Water quality cross-check
Water quality grade is F. Review water data before treating housing cost as the full story.
Crime data coverage
Crime data coverage is partial. Treat zero or low crime rates as incomplete until you check the source coverage.
Best Fit For
- Buyers comparing homes to local incomes
- Renters trying to keep rent below the burden threshold
Poor Fit For
- Buyers focused only on purchase price and ignoring annual property tax
- Buyers who will not investigate local water systems before moving
- Anyone treating reported crime rates as complete without source context
County vs State vs National
The county number only matters after you see the benchmark. These comparisons show where Livingston County is genuinely cheap, where it is average, and where the hidden cost may be.
| Metric | County | State | U.S. | Signal |
|---|---|---|---|---|
Median home value Lower usually helps affordability. | $131,500 | $126,000 | $281,900 | Near state median4% above Illinois county median |
Median gross rent Lower usually helps affordability. | $855 | $793 | $1,163 | 8% pressure8% above Illinois county median |
Monthly owner cost Lower usually helps affordability. | $950 | $853 | $1,672 | 11% pressure11% above Illinois county median |
Median household income | $70,796 | $65,189 | $74,755 | 9% favorable9% above Illinois county median |
Effective property-tax rate Lower usually helps affordability. | 2.18% | 2.00% | 1.02% | 9% pressure9% above Illinois county median |
Rent burden Lower usually helps affordability. | 23.00% | 26.00% | N/A | 12% favorable23.00% of renter income goes to rent. |
Income Fit
A low price only helps if local income can carry the monthly cost. This panel compares the county income base with rent and owner-cost thresholds.
Rent cushion
+$36,596
Median income minus rent threshold.
Owner cushion
+$30,082
Median income minus owner-cost threshold.
Affordability Advisory
This turns the raw housing numbers into income and buy-versus-rent screens.
Affordability verdict
Livingston County is affordable for renters, with a median gross rent of $855/month representing approximately 14.5% of median household income. The rent burden (GRAPI) stands at 23.0%.
Rent vs own
The median rent in Livingston County is $855/month, while owner costs run $950/month. Renting saves approximately $95/month.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $34,200/year. For owner costs at the 28% rule, the required income is roughly $40,714/year. With a median household income of $70,796, most households can comfortably afford rent here. Notably, 23.0% of renter households in Livingston County are cost-burdened, spending more than 30% of income on housing.
Regional context
Within Illinois, Livingston County is less affordable than LaSalle County by roughly 6% ($855/mo vs $906/mo).
Better Counties to Compare
Similar counties are matched on home value, rent, income, and state context. This is more useful than a simple nearest-price list.
| County | Home Value | Rent | Why compare |
|---|---|---|---|
| Clark County, IL | $123,100 | $828/mo | Same-state comparison near $123,100 home value and $828/mo rent. |
| Henry County, IL | $145,300 | $837/mo | Same-state comparison near $145,300 home value and $837/mo rent. |
| De Witt County, IL | $124,200 | $857/mo | Same-state comparison near $124,200 home value and $857/mo rent. |
| Macoupin County, IL | $126,100 | $789/mo | Same-state comparison near $126,100 home value and $789/mo rent. |
| Shelby County, IL | $130,400 | $762/mo | Same-state comparison near $130,400 home value and $762/mo rent. |
Data Confidence
- Crime coverage is partial, so safety comparisons need source context.
Next Checks
Housing Questions for Livingston County
Is Livingston County affordable for buying a home?
Is renting or owning cheaper in Livingston County?
How much income do you need for housing in Livingston County?
What should I double-check before moving to Livingston County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.