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Illinois Mortgage Calculator

The complete Illinois payment — principal, interest, Illinois property taxes, and insurance. Free, no sign-up.

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Free · No sign-up · English & Español

2.05%typical Illinois property tax rate — well above the national median of 0.85%

$2,400/yrtypical Illinois homeowners insurance — above the national median of $2,100/yr

$683/moproperty tax alone on a $400,000 Illinois home at the typical rate

$3,398/moexample full PITI on a $400,000 home, 10% down, 6.75% 30-yr, typical Illinois tax & insurance

What a mortgage really costs in Illinois

Most calculators show principal and interest and stop there. In Illinois, that leaves out roughly $883 a month in property taxes and insurance on a typical $400,000 home — the difference between the payment you planned for and the one you'll actually make. This calculator shows the full PITI: Principal, Interest, Taxes, and Insurance, with Illinois's typical rates loaded automatically.

Better than typical: your exact house

Statewide averages are a starting point — Illinois counties and towns vary. Enter a property address in the calculator and it pulls that home's actual county tax record, so you're budgeting on the real number, not an estimate. You can also compare up to three Illinois homes side by side, complete with each one's taxes, insurance, and HOA.

Open the Illinois calculator →

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