62095 — Madison County, Illinois Market Snapshot
Housing market data for zip code 62095 in Madison County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$146,083
Days to Sell
32
Homes Sold
30
Inventory
25
Sale-to-List
100.9%
New Listings
41
Price/SqFt
$114
Pending Sales
N/A
Conforming Loan Available
Most homebuyers in 62095 can comfortably use conventional financing. The median home price of $146,083 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
62095's market is balanced with homes taking an average of 32 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 62095 (100.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 62095 can comfortably use conventional financing. The median home price of $146,083 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 62095 are set at the county level.
2026 Loan Limits — Madison 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 62095
To purchase the median home at $146,083 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,269.
Monthly Payment
$1,269
Income Required
$54,396
Principal & Interest
$900/mo
Down Payment (5%)
$7,304
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 62095.
Estimated Monthly Payment
$1,054
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