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Featured local agent — Plum Valley, IL
Sarah Mitchell
Compass Real Estate · Plum Valley, IL
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Plum Valley, IL Housing Market
The last median sale price Redfin published was $330,000 (through May 2026). With 1.0 months of supply and homes going under contract in about 210 days, Plum Valley is a seller's market. At today's 6.66% 30-year fixed rate, 20% down on a $330,000 home is about $1,697/mo in principal and interest.
Key numbers for Plum Valley, IL
Median sale price
$330,000
Last published period
Redfin, through April 2026
Days on market
210
Slow-moving
Redfin, through April 2026
Active listings
1
1.0 months of supply
Redfin, through April 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$213,084
Home costs 1.5x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.0%
Selling above asking
Redfin, through April 2026
Zillow figures refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Plum Valley a buyer's or seller's market?
Plum Valley, IL is a seller's market, based on 1.0 months of supply and homes selling in about 210 days. Under 2 months of supply is a severe shortage: expect competition on almost anything priced correctly, and little room to negotiate below asking.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Plum Valley housing market data show?
Every row below is Redfin's final published month for Plum Valley, IL. Redfin, through April 2026
| Metric | Value |
|---|---|
| Median sale price | $330,000 |
| Median list price | $315,000 |
| Median price per sq ft | $165/sq ft |
| Median days on market | 210 days |
| Active inventory | 1 listings |
| Months of supply | 1.0 months |
| Sale-to-list price ratio | 100.0% |
| Homes sold (that month) | 1 |
| New listings (that month) | 1 |
| Market condition | Seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Plum Valley is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Plum Valley is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Plum Valley home prices moved?
Across the 31 months we hold for Plum Valley, IL, the median sale price rose 1.5%, from $325,000 in May 2021 to $330,000. For prices to fall meaningfully from here, supply would have to keep building past 1.0 months while the sale-to-list ratio slips below its current 100.0%. Watch those two together — they move before the median does.
Redfin, through April 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Plum Valley?
Priced off the median sale price of $330,000 at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $66,000 | $264,000 | $1,697/mo |
| 5% | $16,500 | $313,500 | $2,015/mo |
Redfin, through April 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,697, that implies roughly $72,709 a year before you add taxes and insurance. The median household in Plum Valley earns $213,084, about $140,375 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 1.5x — close to the historical 3x norm, which is unusual in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Plum Valley in the next 12 months?
Tell us your timeline. We send the Plum Valley market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Plum Valley?
Zillow does not publish a rent index (ZORI) for Plum Valley, IL, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Plum Valley?
Active listings in Plum Valley, IL went from 2 in March 2024 to 1 in April 2026, a -50.0% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| April 2024 | 1 | not published |
| August 2024 | 6 | 3 |
| October 2024 | 4 | 1 |
| November 2024 | 4 | not published |
| December 2024 | 2 | not published |
| February 2025 | 2 | 1 |
| March 2025 | 1 | not published |
| June 2025 | 4 | 2 |
| August 2025 | 3 | 1 |
| November 2025 | 2 | not published |
| December 2025 | 1 | not published |
| April 2026 | 1 | 1 |
Redfin, through April 2026
How does Plum Valley compare to Illinois and the U.S.?
Plum Valley homes sell for $330,000 — 2% below the Illinois median of $337,900. Against the national median of $410,700, Plum Valley runs 20% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Plum Valley, IL | $330,000 | not published | 210 days |
| Illinois statewide | $337,900 | +5.9% | 43 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through April 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Plum Valley
What buyers should watch
- Months of supply, currently 1.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The gap between 5% and 20% down here is $318 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $330,000 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Plum Valley listing goes under contract in 210 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 100.0% of asking. Price at the number you want and let competition do the rest.
- In the last published month Plum Valley added 1 new listings against 1 sales — more clearing than arriving, which is the better window to list.
- Comparable ZIP-level pricing inside Plum Valley varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Plum Valley
There are currently 1 homes listed for sale in Plum Valley, Illinois. The median listing price is $315K.
Active listings
1
Homes on market
Median list price
$315K
Avg. days on market
210
Days until sale
New this week
1
Newly listed
How much do homes cost in Plum Valley by property type?
How the Plum Valley, IL market breaks down across single-family homes, condos and townhouses. Redfin, through April 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $330,000 | $165/sq ft | 1 | 210 days |
Who lives in Plum Valley?
American Community Survey estimates for Plum Valley. U.S. Census ACS, 2023
Population
542
Households
194
Median income
$213,084/yr
Median age
47.1 years
Owner-occupied
79.9%
Median home value
$268,600
Mean commute
52.9 min
79.9% of occupied homes in Plum Valley are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market.
Which cities are near Plum Valley, IL?
Ordered by distance from Plum Valley, not by size. Compare Plum Valley side by side with any of them.
Plum Valley housing market FAQ
Is Plum Valley a buyer's or seller's market?
Plum Valley, IL is currently a seller's market. That read comes from 1.0 months of supply, homes going under contract in about 210 days, and sellers getting 100.0% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Plum Valley?
The median sale price in the last month Redfin published was $330,000, about $165 per square foot.
Is Plum Valley cheaper than the rest of Illinois?
Plum Valley's median sale price of $330,000 is 2% lower than the Illinois statewide median of $337,900, and 20% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Plum Valley?
Homes in Plum Valley, IL spent a median of 210 days on market before going under contract, versus 43 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Plum Valley?
At the current 30-year fixed rate of 6.66%, 20% down on a $330,000 home is about $1,697 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $72,709 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $213,084.
Are home prices rising in Plum Valley?
We do not hold a complete 12-month value series for Plum Valley, IL yet, so we are not going to call a direction. The price chart above shows every period we do have.
What are the cheapest ZIP codes in Plum Valley?
Plum Valley ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Plum Valley?
That depends on your timeline, not on a headline. What the data says today: Plum Valley, IL is a seller's market with 1.0 months of supply, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $330,000, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.