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Monticello 61856

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.Illinois
$207K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
35
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$315K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Jun 2026Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
AprMayJun
Sale premium vs estimated valueHow sale prices compare with our estimated values at the time of sale. Above the dashed line, homes sold for more than the models expected — a sign of competitive bidding. Below it, buyers paid under model value.Premium
AprMayJun
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
AprMayJun
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
AprMayJun
Sellers who sold at a gainThe share of sellers each month who sold for more than they originally paid.Sold at gain
AprMayJun
Typical hold before sellingThe middle number of years sellers owned their home before selling.Median hold
AprMayJun
Median annualized return at resaleThe middle yearly gain sellers earned, spread across the years they owned the home. Only counts homes held at least a year.Annualized gain
AprMayJun
Preforeclosure filingsForeclosure notices filed each month. A rise can be an early sign that more owners are struggling. Auction stage counts the filings that reached a scheduled foreclosure auction.FilingsAuction stage
20172019202020212022202320252026

Housing Stock

HomesHow many homes we have records for in this area.3,108
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$315K
Median sizeThe middle home size here, measured in square feet.512 ft²
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1913
Single familyThe share of homes here that are single-family houses.95%
CondosThe share of homes here that are condos.0.8%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.78%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.0.8%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.96%
Company ownedThe share of homes owned by a company or trust instead of a person.10%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.37%
Typical ownership tenureHow long the typical owner here has held their home.12.7 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.90
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.45

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.8,077
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.77 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$84K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$105K
Average tempThe average temperature here across a full year.52°F
Annual precipHow much rain and melted snow falls here in a typical year.40 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all ZIP codes nationally.

How Monticello 61856 compares

By median home value, Monticello 61856 is the 2nd most expensive of 9 ZIP codes in Piatt County, and its typical home is worth more than 68% of all homes in Piatt County.

Home values in Monticello 61856

Share of homes at each estimated value.

Median
$139K$792K
ZIP codes in Piatt County ranked by median home value
#Piatt CountyMedian valueHomes
1White Heath 61884$350K495
2Monticello 61856$315K3,108
3Cisco 61830$294K217
4Mansfield 61854$212K632
5Bement 61813$190K769
6La Place 61936$180K115
7Cerro Gordo 61818$177K657
8Hammond 61929$173K331
9De Land 61839$130K261

About the Monticello 61856 market

What is the median home price in Monticello 61856, IL?

The median sale price in Monticello 61856, IL is $206,667 (data through June 2026), based on deeds recorded with the county.

How many homes sell in Monticello 61856, IL each year?

35 homes sold in Monticello 61856, IL over the last 12 months (data through June 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

How many homes are there in Monticello 61856, IL?

Monticello 61856, IL contains 3,108 residential properties, with a median of 512 square feet, built around 1913. The median TopHap Estimate is $315K.

How does Monticello 61856, IL compare to the rest of Piatt County?

By median home value, Monticello 61856, IL is the 2nd most expensive of 9 ZIP codes in Piatt County. Its typical home is worth more than 68% of all homes in Piatt County. White Heath 61884 ranks just above it and Cisco 61830 just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Monticello 61856, IL?

96% of homes in Monticello 61856, IL are owner-occupied. 10% are held by a company rather than an individual.

How much equity do owners in Monticello 61856, IL hold?

78% of mortgaged homes in Monticello 61856, IL are equity-rich, meaning the loan balance is under half the home's value. 0.8% owe more than the home is worth.

Nearby markets

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Explore Monticello 61856 on the map

See every recorded sale, price heat map, school zone and flood overlay across Monticello 61856 in TopHap’s interactive 3D map.

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