RentalCalcs
ToolsMarket MapMy DealsPricingBlog
Start Free
RentalCalcs

Professional real estate investment calculators to help you analyze deals faster and make confident investment decisions.

Product

  • Tools
  • Market Map
  • Pricing
  • Blog
  • About

Legal

  • Terms of Service
  • Privacy Policy
  • Contact

© 2025 RentalCalcs. All rights reserved.

Market MapIllinoisMadison

Madison County

IllinoisPopulation: 265,512
72
/100
Buy
#89 of 1,000 counties
#56 in Illinois (102 counties)

Market Snapshot

$187,237
Median Home Price
32% below national median
$1,095/mo
Median Rent
27% below national median
7.02%
Rent-to-Price Ratio
Top 22% nationally
-$269
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$187,237
Down Payment (20%)$37,447
Loan Amount$149,790
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,095
Monthly P&I-$982
Est. Expenses (35%)-$383
Net Cash Flow-$269/mo
4.6%
Cap Rate (all cash)
-7.5%
Cash-on-Cash Return
7.02%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 4.6% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
72/100
72
Cash Flow(30%)
70/100

Based on 7.02% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
83/100

Based on 3.9% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
91/100

Price-to-income ratio of 2.6x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Above-average rent-to-price ratio (7.02%)
  • +Affordable relative to local incomes
  • +Complete rent data available

Challenges

  • -Negative cash flow at typical financing (-$269/mo)
  • -Negative leverage (cap rate 4.6% < mortgage rate 6.9%)

Economic Indicators

Population
265,512
Median Income
$71,759
vs $62,400 national est.
Unemployment Rate
—
Data pending
Price-to-Income
2.6x
Very affordable

Compare to Nearby Counties

CountyVerdict
La SalleIL
73$184,104$1,1127.25%BuyView
CurrentMadisonIL
72$187,237$1,0957.02%Buy
KankakeeIL
72$211,066$1,3097.44%BuyView
WilliamsonIL
72$152,606$1,0678.39%BuyView
McHenryIL
71$349,331$2,1147.26%BuyView
ChampaignIL
71$226,633$1,3957.38%BuyView

The Bottom Line

BuyMadison offers solid investment potential with good cash flow or appreciation prospects.

Madison County in Illinois scores 72/100, ranking #89 of 1,000 US counties (top 9%). The 7.02% rent-to-price ratio indicates moderate cash flow potential.

Monthly Cash Flow
$-269/mo
Cap Rate
4.6%
Cash-on-Cash
-7.5%

Ready to Analyze a Deal in Madison?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRRHouse HackOwner-occupied strategyMultifamily5+ unit properties
Explore Other Markets