How much do homeowners pay a month in Philo Township, IL?

Name: Homeowner costs in Philo Township, IL, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Philo Township, IL pay a median of $1,623 (±$188) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $828 (±$216).

56.8% of owned homes carry a mortgage.

In Philo Township, the median monthly cost with a mortgage went from $1,322 in 2015–2019 to $1,623 in 2020–2024 (+22.8%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Figures last updated on November 12, 2026.

With a mortgage: $1,623 (±$188)
Without a mortgage: $828 (±$216)
Owned with a mortgage: 56.8%

Monthly owner costs in Philo Township

Median selected monthly owner costs, estimate (90% margin of error)
	Philo Township	Champaign County	Illinois	United States
With a mortgage	$1,623 (±$188)	$1,647 (±$31)	$1,987 (±$6)	$1,963
Without a mortgage	$828 (±$216)	$737 (±$16)	$792 (±$4)	$638
Owned homes with a mortgage	56.8% (±15.5 points)	59.5% (±1.4 points)	60.8% (±0.2 points)	60.6%
Median real estate taxes (a year)	$3,796 (±$420)	$4,353 (±$108)	$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 Philo Township, the median cost with a mortgage is not measurably different from Champaign County ($1,647).

It is also lower than in Illinois ($1,987).

It is lower than the national figure ($1,963).

In Champaign County, Philo Township ranks 19 of 52 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 809 of 2,589.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Philo Township have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$1,322 (±$113)	$1,623 (±$188)	+22.8%	No measurable change after inflation
Median real estate taxes	$3,339 (±$196)	$3,796 (±$420)	+13.7%	No measurable change after inflation
Median home value	$163,000 (±$5,684)	$246,300 (±$46,582)	+51.1%	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 Philo Township

Nearest places with a published estimate, compared with Philo Township
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Philo Township	—	$1,623 (±$188)	—
Philo	2.3 mi	$1,561 (±$83)	Not measurably different
Tolono	4.0 mi	$1,567 (±$179)	Not measurably different
Savoy	4.2 mi	$2,127 (±$165)	Higher
Tolono Township	4.8 mi	$2,031 (±$249)	Higher
Urbana Township	4.8 mi	$1,204 (±$130)	Lower
Sidney Township	6.3 mi	$1,443 (±$134)	Not measurably different
Urbana	6.4 mi	$1,591 (±$54)	Not measurably different
Cunningham Township	6.4 mi	$1,591 (±$54)	Not measurably different

Nearby places with a measurably lower figure: Urbana Township, IL ($1,204).

Nearby places with a measurably higher figure: Savoy, IL ($2,127), Tolono Township, IL ($2,031).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Champaign County, place by place

Rank	Place	Median monthly cost with a mortgage
13	Harwood Township	$1,818 (±$336)
14	Kerr Township	$1,766 (±$320)
15	Sadorus	$1,750 (±$624)
16	Lake of the Woods	$1,647 (±$288)
17 (tie)	Champaign	$1,643 (±$63)
17 (tie)	Champaign City Township	$1,643 (±$63)
19	Philo Township	$1,623 (±$188)
20	Scott Township (Champaign County)	$1,615 (±$309)
21 (tie)	Urbana	$1,591 (±$54)
21 (tie)	Cunningham Township	$1,591 (±$54)
23	Tolono	$1,567 (±$179)
24	Philo	$1,561 (±$83)
25	Homer	$1,505 (±$132)

Showing 13 of 52 places in Champaign 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.

What you can do on Seayora in Philo Township

One account for renting, owning, managing and fixing homes, with these figures beside you.

Own or manage a rental?

List it, sign the lease and collect rent online, with the figures for Philo Township beside you.

Create a landlord account · See what landlords get

Looking for a place to rent?

Browse homes for rent near Philo Township, save the ones you like and apply online.

Browse rentals · Create a renter account

Do repairs, renovations or maintenance?

Get found by owners and renters near Philo Township, and send estimates and invoices from your phone.

Join as a pro · Find a pro

Questions about Philo Township

What is the average mortgage payment in Philo Township?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Philo Township, IL is $1,623 (±$188) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Philo Township?

Owners without a mortgage in Philo Township pay a median of $828 (±$216) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Philo Township gone up?

In Philo Township, the median monthly cost with a mortgage went from $1,322 in 2015–2019 to $1,623 in 2020–2024 (+22.8%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Sources

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 Philo township, Champaign County, Illinois (county subdivision:59546, in state:17 county:019).

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.

Request a Census API 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.