How much do homeowners pay a month in Pearl City, IL?
Homeowners with a mortgage in Pearl City, IL pay a median of $1,141 (±$104) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $547 (±$64).
66.0% of owned homes carry a mortgage.
In Pearl City, the median monthly cost with a mortgage went from $1,083 in 2015–2019 to $1,141 in 2020–2024 (+5.4%).
Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.
Figures last updated on .
- With a mortgage
- $1,141 (±$104)
- Without a mortgage
- $547 (±$64)
- Owned with a mortgage
- 66.0%
Monthly owner costs in Pearl City
| Pearl City | Stephenson County | Illinois | United States | |
|---|---|---|---|---|
| With a mortgage | $1,141 (±$104) | $1,312 (±$53) | $1,987 (±$6) | $1,963 |
| Without a mortgage | $547 (±$64) | $603 (±$25) | $792 (±$4) | $638 |
| Owned homes with a mortgage | 66.0% (±7.6 points) | 49.8% (±2.1 points) | 60.8% (±0.2 points) | 60.6% |
| Median real estate taxes (a year) | $3,240 (±$394) | $3,240 (±$161) | $5,298 (±$22) | $3,119 |
Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.
In Pearl City, the median cost with a mortgage is lower than in Stephenson County ($1,312).
It is also lower than in Illinois ($1,987).
It is lower than the national figure ($1,963).
In Stephenson County, Pearl City ranks 28 of 30 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 1869 of 2,589.
Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.
How owner costs in Pearl City have changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Median owner cost with a mortgage | $1,083 (±$54) | $1,141 (±$104) | +5.4% | Down after inflation |
| Median real estate taxes | $2,841 (±$217) | $3,240 (±$394) | +14.0% | No measurable change after inflation |
| Median home value | $96,600 (±$9,297) | $128,200 (±$16,677) | +32.7% | No measurable change after inflation |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Median monthly cost with a mortgage in places near Pearl City
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| Pearl City | — | $1,141 (±$104) | — |
| Loran Township | 2.3 mi | $1,598 (±$347) | Higher |
| Jefferson Township | 3.7 mi | $1,403 (±$189) | Higher |
| Kent Township | 4.7 mi | $1,847 (±$531) | Higher |
| Erin Township | 5.0 mi | $2,097 (±$315) | Higher |
| Florence Township (Stephenson County) | 7.0 mi | $1,711 (±$666) | Not measurably different |
| Wards Grove Township | 7.6 mi | $1,589 (±$444) | Not measurably different |
| Lena | 7.8 mi | $1,285 (±$128) | Not measurably different |
| Harlem Township (Stephenson County) | 7.9 mi | $1,562 (±$163) | Higher |
Nearby places with a measurably higher figure: Loran Township, IL ($1,598), Jefferson Township, IL ($1,403), Kent Township, IL ($1,847).
Distance is measured in a straight line between the Census Bureau’s internal points for each place.
Median monthly cost with a mortgage across Stephenson County, place by place
| Rank | Place | Median monthly cost with a mortgage |
|---|---|---|
| 22 (tie) | German Valley | $1,234 (±$140) |
| 22 (tie) | Winslow Township | $1,234 (±$418) |
| 24 | Buckeye Township | $1,188 (±$135) |
| 25 (tie) | Freeport | $1,165 (±$72) |
| 25 (tie) | Freeport Township | $1,165 (±$72) |
| 27 | Dakota | $1,142 (±$93) |
| 28 | Pearl City | $1,141 (±$104) |
| 29 | Davis | $1,139 (±$188) |
| 30 | Cedarville | $1,120 (±$52) |
Showing 9 of 30 places in Stephenson County, ranked from highest to lowest.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Pearl City
What is the average mortgage payment in Pearl City?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Pearl City, IL is $1,141 (±$104) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in Pearl City?
Owners without a mortgage in Pearl City pay a median of $547 (±$64) a month in taxes, insurance, utilities and fees.
Has the cost of owning a home in Pearl City gone up?
In Pearl City, the median monthly cost with a mortgage went from $1,083 in 2015–2019 to $1,141 in 2020–2024 (+5.4%).
Prices (CPI-U) rose 22.7% over the same years, so it rose more slowly than prices: a measurable decrease after inflation.
Sources
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Pearl City village, Illinois
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Pearl City village, Illinois
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — Pearl City village, Illinois
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — Pearl City village, Illinois
- Median Value (B25077), 2015–2019 ACS 5-year estimates — Pearl City village, Illinois
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Pearl City village, Illinois (place:58369, in state:17).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.
The API needs a free key.
DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .
Related
- Housing in Pearl City at a glance
- Renters and owners in Pearl City
- Income and affordability in Pearl City
- Home values in Pearl City
- Property taxes in Pearl City
- Types of homes in Pearl City
- Bedrooms in Pearl City
- Age of homes in Pearl City
- Heating fuel in Pearl City
- Commute and cars in Pearl City
- How long people stay in Pearl City
- Illinois landlord and tenant rules
- Housing across Stephenson County
- Housing data for every place in Illinois