Counties / Illinois / Macon County

Macon County, IL

FIPS 17115 · population 101,849 · part of Decatur, IL

$128k
Zillow home value · 2026-06
The numbers

What this county costs and earns

Everything here joins on the county FIPS code, so each figure comes from the agency that publishes it with no name matching in between.

Zillow home value
$128k
▲ 7.2% year over year
Zillow ZHVI · direct
Median asking rent
$1,030
▼ 0.2% year over year
Zillow ZORI · direct
Gross yield
9.7%
annual rent ÷ price, before costs
derived: rent × 12 ÷ price ✓
HUD 2-bed standard
$1,063
market rent is 0.97x the standard
HUD Fair Market Rent · direct
Independent price check

Do two methods point the same way?

Zillow estimates a current home value. FHFA tracks repeat mortgage transactions. Their growth rates should be read side by side, not averaged.

Both annual signals move in the same direction
FHFA five-year cumulative+44.2%not annualized · through 2025
0%ZILLOW ZHVI2026-06+7.2%FHFA HPI2025+5.1%
Annual changes use different methods and may use different periods. The comparison checks direction and magnitude; it does not create a blended estimate. Zillow county ZHVI pulled 2026-07-26; FHFA annual county HPI pulled 2026-07-28.
Owner-reported value$127k
Surveyed gross rent$847
Rent burden 30%+40.4%
Median year built1964
Housing composition

Who occupies the stock—and what it is

ACS 2024 5-year
12.4%vacant
49,630estimated housing units
Occupied tenure29.8% renter
owner 70.2%renter 29.8%
Structure mix80.8% single-family
Single-family 80.8%20+ units 6.3%Mobile home 2.3%Other 10.6%
ACS estimates describe the standing housing stock and occupied tenure. They do not measure current listings, transaction prices or asking rents.

Survey source: Census ACS 5-year — county housing value, tenure and stock · ACS 2024 5-year · pulled 2026-07-30. These values describe different housing universes and are not combined into gross yield.

Annual average covered jobs45,156▲ 0.2% from the prior annual release
Covered establishments1,944annual average reporting locations
Average weekly wage$1,323▲ 1.5% from the prior annual release
Largest private supersectorManufacturing26.8% of disclosed private covered jobs
Local labor base

Jobs, pay and private-sector concentration

2025
0%COVERED JOBS+0.2%WEEKLY WAGE+1.5%Manufacturing26.8%
Annual QCEW counts cover jobs located at reporting establishments. The industry share uses disclosed private covered employment; it is not a resident-employment measure or a forecast.

Workplace source: BLS QCEW — county employment and wages · annual county employment and wages 2025 vs 2024 · pulled 2026-07-31. QCEW counts covered jobs located in the county, not employed residents or the metro score’s CES/LAUS series.

County brief

What the local evidence says

01Decision frame

Macon County has a decision tension: a $127,757 Zillow county home-value measure and reported 9.67% gross yield contrast with slightly softer asking rent and uncertain ownership costs. Median asking market rent was $1,030 monthly at Zillow’s county observation, while the home-value measure increased year over year. This warrants property-level investigation for buyers able to verify expenses and demand; buyers requiring stable rent growth or predictable carrying costs should be cautious.

02Housing economics

The reported yield uses measured market asking rent before costs; it is not a net return. HUD’s two-bedroom FMR is a payment standard, not an asking-rent estimate, and cannot replace market rent in a yield calculation. The effective property-tax rate is 2.12%, making tax review central to whether gross rent survives ownership costs. Parcel assessments, exemptions, insurance, maintenance, vacancy, and utilities are not published, preventing a net-yield calculation.

03Demand & competition

FHFA’s 2025 repeat-transaction HPI increased 5.11% annually, directionally consistent with Zillow’s reported rise, but neither a dollar value nor a rate to average with Zillow’s distinct county observation. Realtor.com’s 2026-06 MLS listing market showed a 1.71% decline in median asking price, 180 active listings as visible supply, and a 19.77% price-reduced share. These are listing-market measures, not closed sales or standalone proof of buyer demand. QCEW’s annual county-workplace data identify Manufacturing as the largest disclosed private supersector, not the entire economy or resident employment.

04Risk & next checks

Migration and purchase data temper the income case: net migration was -272 tax-return households, while average AGI of out-movers was $73,022 versus $54,284 for in-movers. Non-occupant investors represented 16.92% of 1,064 purchase mortgages, showing participation but not the homes, financing, or rents involved. Inland flood is the dominant hazard; modeled annual building-value loss is 0.14%. Missing flood-zone, elevation, insurance-quote, lease, closed-sale, and debt data prevent underwriting hazard cost, stabilized cash flow, and resale support.

Cities & communities

Where people live within Macon County

Census-recognized incorporated places and CDPs that intersect this county. The list does not pretend to include every neighborhood or informal community.

Population scale

Largest Census places

ACS 2024 5-year
Decatur city69.8KMount Zion village5.7KForsyth village3.5KMaroa city1.7KHarristown village1.6KLong Creek village1.4KMacon city1KOreana village1K
Bars use total place population, not a county-share estimate. An asterisk marks a place that crosses a county line.
Official directory

14 Census places

Population
  1. 01
    Decatur cityIncorporated place
    69,815
  2. 02
    Mount Zion villageIncorporated place
    5,660
  3. 03
    Forsyth villageIncorporated place
    3,502
  4. 04
    Maroa cityIncorporated place
    1,714
  5. 05
    Harristown villageIncorporated place
    1,550
  6. 06
    Long Creek villageIncorporated place
    1,392
  7. 07
    Macon cityIncorporated place
    1,047
  8. 08
    Oreana villageIncorporated place
    1,037
  9. 09
    Warrensburg villageIncorporated place
    921
  10. 10
    Blue Mound villageIncorporated place
    882
  11. 11
    Argenta villageIncorporated place
    879
  12. 12
    Niantic villageIncorporated place
    671
Show 2 more places
  1. 13
    Boody CDPCensus-designated place
    301
  2. 14
    Elwin CDPCensus-designated place
    40

Population is the total place-wide ACS estimate, not an allocated county share. A place crossing a county line is labelled explicitly. Source: Census ACS 5-year — cities and communities · ACS 2024 5-year · pulled 2026-07-30.

Risk, demand and competition

The three things a price does not tell you

01
Risk & carrying costFEMA NRI + Census ACS
Dominant hazardinland flooding

0.140% of building value expected lost per year

Effective property tax2.12%

$2,696 median annual bill

02
DemandIRS SOI household flows
Net migration-272

1,700 in · 1,972 out

Arriving vs leaving income−$18,738

$54,284 arriving · $73,022 leaving

03
CompetitionHMDA financed purchases
Purchases by investors16.9%

180 of 1,064 mortgages

investorother financed
Current listing pressure

What sellers and visible supply are doing

Realtor.com® Economic Research · county inventory 2026-06 · pulled 2026-07-28
Active listings180▲ 15.4% year over year
Median days on market31▼ 18.8% year over year
Listings price-reduced19.8%seller-concession signal
Median listing pricen/a▼ 1.7% year over year

Listing price is an asking price, not a closed sale. Quality-flagged county rows are withheld instead of displayed.

Bear case

What can break the county thesis

  1. Parcel-level taxes, insurance, flood mitigation, and repairs could erase the reported gross-rent advantage.
  2. Negative migration and lower-income in-movers may leave demand weaker than county aggregates suggest.
  3. Listing-market softness may not translate cleanly into achievable resale pricing or rent.
Underwriting questions

Before pricing a property

Can the reported gross yield be treated as net cash flow?

No. It is based on annual market rent before costs, while expense, vacancy, and financing inputs needed for net cash flow are not published.

Is HUD’s two-bedroom FMR evidence of asking rent?

No. The record defines FMR as a payment standard, not an estimate of county market asking rent.

What does QCEW’s Manufacturing designation establish?

It identifies Manufacturing as the largest disclosed private supersector in annual covered employment at county workplaces; it does not describe the entire economy or resident employment.