61739 — Livingston County, Illinois Market Snapshot
Housing market data for zip code 61739 in Livingston County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$151,200
Days to Sell
72
Homes Sold
10
Inventory
19
Sale-to-List
103.0%
New Listings
23
Price/SqFt
$107
Pending Sales
12
Conforming Loan Available
Most homebuyers in 61739 can comfortably use conventional financing. The median home price of $151,200 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 72 days on average, 61739 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes in 61739 are selling 3.0% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 61739 can comfortably use conventional financing. The median home price of $151,200 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 61739 are set at the county level.
2026 Loan Limits — Livingston County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 61739
To purchase the median home at $151,200 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,308.
Monthly Payment
$1,308
Income Required
$56,076
Principal & Interest
$932/mo
Down Payment (5%)
$7,560
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 61739.
Estimated Monthly Payment
$1,086
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