Illinois Housing Affordability Index

Daily affordability score for Illinois compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score

Illinois

106.9

Near National Average

MBR-HAI • April 10, 2026

National Average

100.6

Near National Average

MBR-HAI • April 10, 2026

National Rank #28 of 51 states

vs. National Average +6.3 points

30-yr Rate Used 6.608%

Median Home Value $263,300

Median Household Income $83,390

View all state rankings →

Illinois Affordability Ranking

#28 of 51 states — April 10, 2026 Near the middle

Most Affordable Least Affordable

More affordable than: 23 of 51 states (45%)

Less affordable than: 27 of 51 states (53%)

MBR-HAI Score: 106.9 vs. national 100.6 (+6.3 points)

Nearby States

↑ 25 more affordable states above

#26 AK 108.1

#27 TN 107.9

#28 Illinois ◀ 106.9

#29 UT 106.2

#30 TX 105.6

↓ 21 less affordable states below

Top 5 Most Affordable

#1 WV 139.9

#2 AR 131.2

#3 AL 129.8

#4 IA 129.6

#5 MS 126.3

Bottom 5 Least Affordable

#47 RI 90.6

#48 NY 89.3

#49 OR 89.2

#50 MA 87.2

#51 CA 81.5

View full 51-state rankings →

Illinois MBR-HAI — 90-Day Trend

Illinois

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — Illinois

$263,300

Median Home Value

U.S. median: varies by state

$83,390

Median Household Income

U.S. median: $80,734

3.2x

Price-to-Income Ratio

Home value ÷ income

$1,431/mo

Median Owner Costs

20.6% of income annually

$4,987/yr

Median Property Tax

1.89% effective rate

68.4%

Homeownership Rate

U.S. average: 65.7%

26.5%

Owner Cost Burden

% spending 30%+ of income on housing

6.608%

30-yr Mortgage Rate

State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How Illinois Ranks Among All States

#28

of 51 states

Least Affordable Most Affordable

Illinois is more affordable than 46% of U.S. states — Near National Average

106.9

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 24 states →
25	North Carolina	108.9	Near National Average
26	Alaska	108.1	Near National Average
27	Tennessee	107.9	Near National Average
28	Illinois You are here	106.9	Near National Average
29	Utah	106.2	Near National Average
30	Texas	105.6	Near National Average
31	Arizona	104.7	Near National Average
▼ See all 51 state rankings →

Showing states ranked near Illinois — April 10, 2026 • View complete national rankings →

Download Illinois HAI Data

Illinois History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-04-11,IL,106.9,100.6,6.608                

Download IL History (CSV)

All 51 States (CSV)

Compare Illinois to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings

See how Illinois ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

Illinois Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in Illinois.