Safe Rate Local
Learn about the people, housing, costs and businesses in St. Elmo, Illinois
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in St. Elmo.
True all-in cost — P&I, taxes, insurance & utilities for homes in St. Elmo.
Find and compare lenders active near St. Elmo.
FEMA flood zones and flood insurance estimates for St. Elmo.
Seismic risk and earthquake insurance estimates for St. Elmo.
Wildfire exposure and insurance estimates for St. Elmo.
As of today, the 30-year fixed mortgage rate for St. Elmo is approximately 7.084% (7.095% 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 St. ElmoThe median home value in St. Elmo is $124k. The median monthly rent is $753. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in St. Elmo have increased 22.7% 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 $745/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $32k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in St. Elmo is $52k/year.
Calculate your buying powerThe largest employment sectors in St. Elmo are healthcare (17%) and public administration (17%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.