62535 — Macon County, Illinois Market Snapshot
Housing market data for zip code 62535 in Macon County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$287,450
Days to Sell
46
Homes Sold
12
Inventory
7
Sale-to-List
98.1%
New Listings
12
Price/SqFt
$116
Pending Sales
14
Conforming Loan Available
Most homebuyers in 62535 can comfortably use conventional financing. The median home price of $287,450 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
62535's market is balanced with homes taking an average of 46 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 62535 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 62535 can comfortably use conventional financing. The median home price of $287,450 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 62535 are set at the county level.
2026 Loan Limits — Macon 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 62535
To purchase the median home at $287,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,352.
Monthly Payment
$2,352
Income Required
$100,815
Principal & Interest
$1,771/mo
Down Payment (5%)
$14,373
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 62535.
Estimated Monthly Payment
$1,929
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 62535. Tell us what you're looking for.