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Mortgage Calculator &
Closing Costs: Peoria, IL

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Peoria, Illinois.

Median Home Price
$135K
Population
113K
Avg Monthly Rent
$850
Property Tax Rate
2.07%
Peoria vs Illinois Median
The median home price in Peoria is $135,000, which is 50% below the Illinois state median of $270,000.

Mortgage Calculator — Peoria, IL

Pre-filled with Peoria median home price and Illinois tax/insurance rates. Adjust for your property.

$
$27,000
%
%
years
IL avg
%
$
Monthly Payment (PITI)
$1,074
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$683
per month
Taxes & Insurance
$391
per month
Total Interest Paid
$138K
over 30 years
Total Loan Cost
$246K
all payments
Payment Breakdown
Loan Amount$108,000
Principal & Interest$683
Property Taxes$233
Homeowners Insurance$158
Total Monthly PITI$1,074

Closing Costs — Peoria, IL

Estimated closing costs based on Illinois rates and fees applied to Peoria prices.

$
%
Illinois: Avg closing costs 2.0% of price. Transfer tax: 0.1%.
Estimated Closing Costs
$7,595
5.6% of purchase price
Lender Fees
$1,397
origination, underwriting
Third-Party
$2,125
appraisal, title, inspection
Government Fees
$135
transfer taxes, recording
Prepaids + Escrow
$3,938
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$972
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$975
Recording Fee$150
Transfer Tax$135
Prepaid Taxes (3 mo)$699
Prepaid Insurance (12 mo)$1,900
Prepaid Interest (15 days)$325
Escrow Reserves$1,015
Total Closing Costs$7,595

Buying a Home in Peoria, Illinois

The median home price in Peoria is $135,000, 50% below the Illinois state median of $270,000. With a population of 113,150, Peoria is a mid-size city where home prices tend to be more accessible than in many parts of Illinois.

Property taxes in Illinois average 2.07% annually. This higher-than-average tax rate means a $135,000 home in Peoria would carry roughly $233/month in property taxes alone — plan accordingly. Homeowners insurance in Illinois runs approximately $1,900 per year. This is within the normal range nationally.

Average rent in Peoria is $850/month. With a price-to-rent ratio under 15, buying may be more cost-effective than renting in Peoria over the long term.

Peoria offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Illinois's IHDA 1stHomeIllinois program.

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