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Learn about the people, housing, costs and businesses in Ophiem, Illinois
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Ophiem.
True all-in cost — P&I, taxes, insurance & utilities for homes in Ophiem.
Find and compare lenders active near Ophiem.
As of today, the 30-year fixed mortgage rate for Ophiem is approximately 6.994% (7.003% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for OphiemThe median home value in Ophiem is $144k. The median monthly rent is $653. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Ophiem have increased 22.1% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $828/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $35k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Ophiem is $66k/year.
Calculate your buying powerThe largest employment sectors in Ophiem are public administration (18%) and retail (17%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.