Housing decision brief
Saline County, IL Housing Market
Saline County screens as a below-state purchase price, below-state rent, a manageable 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.
6th lowest home value out of 102 Illinois counties with data | 17th lowest rent out of 102
Median home value
$92,900
Purchase-price signal from Census ACS.
Median rent
$711/mo
Gross rent, including utilities where reported.
Monthly owner cost
$678/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
1.7x
Median home value divided by local household income.
Rent burden
27.0%
Below 30% usually screens as less pressured.
Rent vs own
$33/mo
Median owner cost screens below median rent.
Data confidence
2 notes
Crime coverage is partial, so safety comparisons need source context.
What Works
Lower purchase price
$92,900 median home value is 26% below Illinois county median
Lower rent
$711/mo is 10% below Illinois county median
Rent burden below pressure line
27.00% of renter income goes to rent, below the 30% burden threshold.
Owning screens cheaper than renting
Median owner costs are $33/mo below median rent before individual mortgage terms.
What to Check
Lower income base
$54,945 median income is 16% below 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
- Households weighing ownership against renting
- Remote earners or cash buyers looking below the state price line
Poor Fit For
- Households dependent on a deep local wage market
- 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 Saline 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. | $92,900 | $126,000 | $281,900 | 26% favorable26% below Illinois county median |
Median gross rent Lower usually helps affordability. | $711 | $793 | $1,163 | 10% favorable10% below Illinois county median |
Monthly owner cost Lower usually helps affordability. | $678 | $853 | $1,672 | 21% favorable21% below Illinois county median |
Median household income | $54,945 | $65,189 | $74,755 | 16% pressure16% below Illinois county median |
Effective property-tax rate Lower usually helps affordability. | 1.56% | 2.00% | 1.02% | 22% favorable22% below Illinois county median |
Rent burden Lower usually helps affordability. | 27.00% | 26.00% | N/A | Near state median27.00% 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
+$26,505
Median income minus rent threshold.
Owner cushion
+$25,888
Median income minus owner-cost threshold.
Affordability Advisory
This turns the raw housing numbers into income and buy-versus-rent screens.
Affordability verdict
Housing in Saline County is affordable. The median rent is $711/month against a median household income of $54,945, putting rent at 15.5% of income.
Rent vs own
Renters in Saline County pay $711/month on average, compared to $678/month for homeowners. This market favors buyers by about 5%.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $28,440/year. For owner costs at the 28% rule, the required income is roughly $29,057/year. With a median household income of $54,945, most households can comfortably afford rent here. Notably, 27.0% of renter households in Saline County are cost-burdened, spending more than 30% of income on housing.
Regional context
Within Illinois, Saline County is less affordable than Shelby County by roughly 7% ($711/mo vs $762/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 |
|---|---|---|---|
| Clay County, IL | $94,300 | $709/mo | Same-state comparison near $94,300 home value and $709/mo rent. |
| White County, IL | $100,100 | $706/mo | Same-state comparison near $100,100 home value and $706/mo rent. |
| Edgar County, IL | $95,700 | $757/mo | Same-state comparison near $95,700 home value and $757/mo rent. |
| Vermilion County, IL | $92,900 | $802/mo | Same-state comparison near $92,900 home value and $802/mo rent. |
| Franklin County, IL | $87,700 | $771/mo | Same-state comparison near $87,700 home value and $771/mo rent. |
Data Confidence
- Crime coverage is partial, so safety comparisons need source context.
- Water-quality monitoring is based on 2 active sites in recent WQP data.
Next Checks
Housing Questions for Saline County
Is Saline County affordable for buying a home?
Is renting or owning cheaper in Saline County?
How much income do you need for housing in Saline County?
What should I double-check before moving to Saline County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.