Lincoln, IL Metro Area - Investment Guide
Metro Area • 5 Cities • 5 ZIP Codes
Avg Home Value
$145,161
Avg Monthly Rent
$927
Avg Cap Rate
5.08%
Avg Investability
3.0 ★
Cities
5
ZIP Codes
5
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Market Trends
Metro Home Value History
🏦 30-yr Fixed Rate:
6.76%
as of Sep 10
Source: Freddie Mac PMMS
☀️
WARM MARKET
Lincoln, IL Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
7.5%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅
Market conditions data as of August 29, 2026 — updated weekly
Best ZIP codes in Lincoln, IL
Every ZIP in the metro, ranked four ways. Free.
Cities in Lincoln, IL
Top ZIP Codes by Investability
| ZIP Code | City | State | Home Value | Rent | Cap Rate | Rating |
|---|---|---|---|---|---|---|
| 62635 | Hartsburg | IL | $148,939 | $972 | 5.09% | |
| 62656 | Lincoln | IL | $139,369 | $891 | 4.99% | |
| 62682 | San Jose | IL | $111,070 | $936 | 6.57% | |
| 61723 | Atlanta | IL | $157,467 | $918 | 4.55% | |
| 62548 | Mount Pulaski | IL | $148,507 | $918 | 4.82% | |
| 62635 | Hartsburg | IL | $141,597 | $972 | 5.35% | |
| 62656 | Lincoln | IL | $125,620 | $891 | 5.53% | |
| 62682 | San Jose | IL | $99,047 | $936 | 7.37% | |
| 61723 | Atlanta | IL | $166,242 | $918 | 4.31% | |
| 62548 | Mount Pulaski | IL | $160,609 | $918 | 4.46% | |
| 62635 | Hartsburg | IL | $144,848 | $972 | 5.23% | |
| 62656 | Lincoln | IL | $136,037 | $891 | 5.11% | |
| 62682 | San Jose | IL | $110,222 | $936 | 6.62% | |
| 61723 | Atlanta | IL | $157,467 | $918 | 4.55% | |
| 62548 | Mount Pulaski | IL | $148,507 | $918 | 4.82% | |
| 62635 | Hartsburg | IL | $141,597 | $972 | 5.35% | |
| 62656 | Lincoln | IL | $125,620 | $891 | 5.53% | |
| 62682 | San Jose | IL | $99,047 | $936 | 7.37% | |
| 61723 | Atlanta | IL | $162,352 | $918 | 4.41% | |
| 62548 | Mount Pulaski | IL | $158,148 | $918 | 4.53% | |
| 62635 | Hartsburg | IL | $146,196 | $972 | 5.19% | |
| 62656 | Lincoln | IL | $136,120 | $891 | 5.11% | |
| 62682 | San Jose | IL | $106,455 | $936 | 6.86% | |
| 61723 | Atlanta | IL | $164,961 | $918 | 4.34% | |
| 62548 | Mount Pulaski | IL | $159,542 | $918 | 4.49% | |
| 62635 | Hartsburg | IL | $150,477 | $972 | 5.04% | |
| 62656 | Lincoln | IL | $138,922 | $891 | 5.00% | |
| 61723 | Atlanta | IL | $157,750 | $918 | 4.54% | |
| 62682 | San Jose | IL | $111,905 | $936 | 6.52% | |
| 62548 | Mount Pulaski | IL | $151,522 | $918 | 4.73% | |
| 62635 | Hartsburg | IL | $143,944 | $972 | 5.27% | |
| 62656 | Lincoln | IL | $128,970 | $891 | 5.39% | |
| 62682 | San Jose | IL | $108,092 | $936 | 6.75% | |
| 61723 | Atlanta | IL | $165,117 | $918 | 4.34% | |
| 62548 | Mount Pulaski | IL | $166,936 | $918 | 4.29% |
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About Lincoln, IL Real Estate Market
The Lincoln, IL metropolitan statistical area (MSA) encompasses 5 cities and 5 ZIP codes. The average home value across the metro is $145,161, with an average monthly rent of $927. Explore individual cities and ZIP codes to find investment opportunities that match your criteria.