62684 — Sangamon County, Illinois Market Snapshot
Housing market data for zip code 62684 in Sangamon County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$290,500
Days to Sell
10
Homes Sold
22
Inventory
6
Sale-to-List
99.3%
New Listings
18
Price/SqFt
$146
Pending Sales
17
Conforming Loan Available
Most homebuyers in 62684 can comfortably use conventional financing. The median home price of $290,500 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
62684 is an extremely competitive market with homes selling in just 10 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 62684 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 62684 can comfortably use conventional financing. The median home price of $290,500 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 62684 are set at the county level.
2026 Loan Limits — Sangamon 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 62684
To purchase the median home at $290,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,376.
Monthly Payment
$2,376
Income Required
$101,817
Principal & Interest
$1,790/mo
Down Payment (5%)
$14,525
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 62684.
Estimated Monthly Payment
$1,948
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