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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Baileyville, IL Housing Affordability Index

Baileyville, Illinois has an MBR Housing Affordability Index score of 33.6 (Least Affordable) as of October 30, 2026, ranking 1249th most affordable of 1,249 scored Illinois cities, compared with 102.2 statewide and 97.4 nationally. On a median-priced $822,900 home with 20% down, the Illinois average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $4,520, or 258% of the city’s $21,007 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Baileyville is updated every night from live Illinois mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Baileyville MBR-HAI 33.6 Least Affordable
Rank in Illinois 1,249 of 1,249 1 = most affordable
Illinois 102.2 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.31% Illinois lenders
Median home value $822,900 U.S. Census Bureau

Baileyville is 68.6 points below the Illinois score. Scores as of October 30, 2026. See the Illinois index

View Baileyville Mortgage Rates

What It Takes to Buy in Baileyville

$4,520/mo
Principal & Interest
Median home, 20% down, 7.31%
$193,700
Income Needed
To keep the payment at 28% of income
$21,007
Median Household Income
Illinois: $83,390
39.2x
Price-to-Income Ratio
Illinois: 3.2x
$2,717/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,987/yr
Median Property Tax
Illinois figure
81.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
100.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Baileyville, Illinois. The rate is the Illinois average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How Baileyville Ranks in Illinois

Cities with similar scores
#1,246Rosemont75.0 #1,247Glencoe74.8 #1,248McCook72.2
#1,249Baileyville33.6
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Cite the Baileyville Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Baileyville, Illinois score: 33.6 (Least Affordable), ranked 1,249 of 1,249 Illinois cities. monitorbankrates.com/housing-affordability-index/illinois/baileyville”