How much do homeowners pay a month in St. Francis Township, IL?

Name: Homeowner costs in St. Francis 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 St. Francis Township, IL pay a median of $1,401 (±$177) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $537 (±$74).

40.9% of owned homes carry a mortgage.

In St. Francis Township, the median monthly cost with a mortgage went from $1,530 in 2015–2019 to $1,401 in 2020–2024 (−8.4%).

Prices (CPI-U) rose 22.7% over the same years, so it fell after inflation as well.

Figures last updated on November 12, 2026.

With a mortgage: $1,401 (±$177)
Without a mortgage: $537 (±$74)
Owned with a mortgage: 40.9%

Monthly owner costs in St. Francis Township

Median selected monthly owner costs, estimate (90% margin of error)
	St. Francis Township	Effingham County	Illinois	United States
With a mortgage	$1,401 (±$177)	$1,427 (±$51)	$1,987 (±$6)	$1,963
Without a mortgage	$537 (±$74)	$616 (±$22)	$792 (±$4)	$638
Owned homes with a mortgage	40.9% (±11.3 points)	52.8% (±2.6 points)	60.8% (±0.2 points)	60.6%
Median real estate taxes (a year)	$2,770 (±$450)	$2,823 (±$125)	$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 St. Francis Township, the median cost with a mortgage is not measurably different from Effingham County ($1,427).

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

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

In Effingham County, St. Francis Township ranks 11 of 25 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 1143 of 2,589.

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

How owner costs in St. Francis 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	$1,530 (±$138)	$1,401 (±$177)	−8.4%	Down after inflation
Median real estate taxes	$2,766 (±$253)	$2,770 (±$450)	+0.1%	Down after inflation
Median home value	$177,600 (±$29,699)	$172,200 (±$32,674)	−3.0%	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 St. Francis Township

Nearest places with a published estimate, compared with St. Francis Township
Place	Distance	Median monthly cost with a mortgage	Compared with this place
St. Francis Township	—	$1,401 (±$177)	—
Montrose	3.1 mi	$1,107 (±$283)	Not measurably different
Teutopolis	3.5 mi	$1,563 (±$240)	Not measurably different
Teutopolis Township	4.4 mi	$1,805 (±$162)	Higher
Dieterich	5.1 mi	$1,505 (±$240)	Not measurably different
Bishop Township	5.9 mi	$1,610 (±$116)	Not measurably different
Spring Point Township	6.4 mi	$1,250 (±$247)	Not measurably different
Douglas Township (Effingham County)	6.9 mi	$1,391 (±$80)	Not measurably different
Grove Township	7.1 mi	$1,688 (±$404)	Not measurably different

Nearby places with a measurably higher figure: Teutopolis Township, IL ($1,805).

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

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

Rank	Place	Median monthly cost with a mortgage
5 (tie)	Teutopolis	$1,563 (±$240)
5 (tie)	Moccasin Township	$1,563 (±$975)
7	Union Township (Effingham County)	$1,557 (±$174)
8	Dieterich	$1,505 (±$240)
9	Watson Township	$1,504 (±$211)
10	West Township (Effingham County)	$1,446 (±$850)
11	St. Francis Township	$1,401 (±$177)
12	Douglas Township (Effingham County)	$1,391 (±$80)
13	Effingham	$1,381 (±$84)
14	Jackson Township (Effingham County)	$1,242 (±$230)
15	Banner Township (Effingham County)	$1,211 (±$340)
16	Mason Township	$1,198 (±$156)
17	Mound Township (Effingham County)	$1,181 (±$72)

Showing 13 of 25 places in Effingham 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 St. Francis Township

What is the average mortgage payment in St. Francis Township?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in St. Francis Township, IL is $1,401 (±$177) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in St. Francis Township?

Owners without a mortgage in St. Francis Township pay a median of $537 (±$74) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in St. Francis Township gone up?

In St. Francis Township, the median monthly cost with a mortgage went from $1,530 in 2015–2019 to $1,401 in 2020–2024 (−8.4%).

Prices (CPI-U) rose 22.7% over the same years, so it fell after inflation as well.

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 St. Francis township, Effingham County, Illinois (county subdivision:66807, in state:17 county:049).

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.