MonitorBankRates
☰
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

Fisher, IL Housing Affordability Index

Fisher, Illinois has an MBR Housing Affordability Index score of 152.5 (Highly Affordable) as of October 30, 2026, ranking 665th most affordable of 1,249 scored Illinois cities, compared with 102.2 statewide and 97.4 nationally. On a median-priced $190,100 home with 20% down, the Illinois average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $1,044, or 13% of the city’s $97,702 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Fisher 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.

Fisher MBR-HAI 152.5 Highly Affordable
Rank in Illinois 665 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 $190,100 U.S. Census Bureau

Fisher is 50.3 points above the Illinois score. Scores as of October 30, 2026. See the Illinois index

View Fisher Mortgage Rates

See What You Can Afford in Fisher, Illinois

Use this Fisher, Illinois home affordability calculator to see how much house you can afford at today’s Illinois average 30-year mortgage rate of 7.31%. A household earning the Fisher median income of $97,702, with no other debts and $38,000 down, can afford a home of about $281,486, compared with a median home value of $190,100. Buying the median priced home with 20% down takes a household income of about $59,400 once property tax and insurance are counted.

Fisher median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Illinois average, 30-year fixed
Fisher median bill (Census)
Estimate; use your quote
You can afford a home up to
$281,486
At or above the Fisher median home value of $190,100
Loan amount$243,486
Principal & interest$1,672/mo
Property tax$389/mo
Home insurance$117/mo
PMI$101/mo
Total monthly payment$2,280/mo
Compare Fisher Mortgage Rates

How much house can you afford in Fisher?

Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.

In Fisher, property taxes run about 1.66% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $4,495 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.

What It Takes to Buy in Fisher

$1,044/mo
Principal & Interest
Median home, 20% down, 7.31%
$44,700
Income Needed
To keep principal and interest at 28% of income
$97,702
Median Household Income
Illinois: $83,390
1.9x
Price-to-Income Ratio
Illinois: 3.2x
$1,144/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,149/yr
Median Property Tax
1.66% of median value
21.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
22.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Fisher Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Fisher, Illinois score: 152.5 (Highly Affordable), ranked 665 of 1,249 Illinois cities. monitorbankrates.com/housing-affordability-index/illinois/fisher”