62712 — Sangamon County, Illinois Market Snapshot
Housing market data for zip code 62712 in Sangamon County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
29 sales in 2026 (year to date)
Median Sale Price
$368,000
Days to Sell
6
Homes Sold
29
Inventory
16
Sale-to-List
101.2%
New Listings
47
Price/SqFt
$141
Pending Sales
36
Conforming Loan Available
Most homebuyers in 62712 can comfortably use conventional financing. The median home price of $368,000 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
62712 is an extremely competitive market with homes selling in just 6 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 62712 (101.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 62712 can comfortably use conventional financing. The median home price of $368,000 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 62712 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 62712
To purchase the median home at $368,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,970.
Monthly Payment
$2,970
Income Required
$127,264
Principal & Interest
$2,268/mo
Down Payment (5%)
$18,400
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 62712.
Estimated Monthly Payment
$2,427
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