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⚖️ Comparador de Seguros de Hogar en Illinois — 2026

Illinois (IL) · Impuesto estatal: 4.95% · Impuesto predial: 2.23% · Casa mediana: $275,000

Escrito por Jere Salmisto·Revisado por CalcFi Editorial·Última revisión 2026-04-19·Metodología

¿Buscas la calculadora nacional de Comparador de Seguros de Hogar? Ver la Comparador de Seguros de Hogar nacional.

El seguro de hogar en Illinois promedia $1,310/año (NAIC). Sobre la vivienda mediana de $275,000, esto representa el 0.48% del valor de la propiedad cada año. Los costos de reconstrucción están cerca o por debajo del promedio nacional. La tasa marginal superior del impuesto estatal es del 4.95%.[1][2]

Datos clave de Illinois (2026)

Impuesto estatal

4.95%

Casa mediana

$275,000

Impuesto predial

2.23%

Costo de vida

98.8

Ingreso mediano del hogar: $84,210 · Pago PITI estimado en casa mediana: $2,135/mes [3]

Usa la comparador de seguros de hogar

Cómo funciona el cálculo

La comparador de seguros de hogar aplica los números locales de Illinois de 2026 a la fórmula estándar del cálculo. Los datos de estado vienen del repositorio de CalcFi con refresco automático ISR de 24 horas. Fuentes primarias: Zillow ZHVI[1], BEA RPP[7], Tax Foundation[2].

Cómo se compara Illinois

MétricaIllinoisProm. EE.UU.INIAKY
Casa mediana$275,000$425,000$265,000$245,000$265,000
Impuesto predial2.23%1.11%0.85%1.57%0.85%
Impuesto estatal (marginal)4.95%~5%3.23%5.70%5.00%
Índice costo de vida98.8100.0908788

Última revisión 2026-04-19. Estimaciones 2026. Variaciones por condado y ciudad.[7]

← Ver Comparador de Seguros de Hogar (sin filtro de estado)
🇺🇸English version: Comparador de Seguros de Hogar for Illinois →

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Calculadoras relacionadas

🏠Estimador de Seguro de Hogar🚗Comparador de Seguros de Auto❤️Calculadora de Seguro de Vida

Preguntas frecuentes

¿Cómo funciona la comparador de seguros de hogar en Illinois?
La comparador de seguros de hogar combina tres inputs: (1) la fórmula de cálculo que corre localmente en tu navegador (sin enviar datos), (2) constantes financieras de Illinois para 2026 — impuesto estatal 4.95%, impuesto predial 2.23%, casa mediana $275,000 — y (3) promedios nacionales para comparación. Todos los números provienen de datasets públicos primarios citados al final de esta página.

Datos financieros de Illinois (2026)

Impuesto estatal
4.95%
Impuesto predial (efectivo)
2.23%
Valor mediano de vivienda
$275,000
Seguro de hogar (promedio)
$1,310/año
Índice costo de vida (RPP)
98.8
Abreviatura
IL
Metodología — cómo calculamos estos números

Las páginas pSEO de CalcFi combinan tres inputs: (1) la fórmula de la calculadora, que corre del lado del cliente (ningún dato sale de tu navegador); (2) constantes financieras a nivel de estado de datasets públicos primarios; y (3) benchmarks nacionales para comparación. La página de Illinois usa el impuesto predial (2.23%), el precio mediano de vivienda ($275,000), y el 4.95% de impuesto estatal de las fuentes listadas más abajo.

Frecuencia de actualización: los tramos de impuesto estatal y salario mínimo se revisan anualmente tras cada sesión legislativa. Impuesto predial, precio mediano de vivienda, seguro, y cifras de costo de vida se revisan anualmente contra fuentes primarias. El dateModified de la página coincide con la fecha más reciente de revisión editorial mostrada arriba.

Limitaciones conocidas: los promedios estatales ocultan gran varianza intra-estado — el impuesto predial a nivel de condado y los precios de vivienda metropolitanos difieren significativamente de las cifras mostradas. Para cálculos más precisos, cruza la salida con el tasador de tu condado y las tablas de impuestos federales/estatales vigentes al momento de presentar tu declaración.

Sources

Every number on this page cites a primary public dataset. Last reviewed 2026-04-19 (auto-bumped on the next ISR refresh after an ETL run).

  1. NAIC Dwelling Fire, Homeowners Owners, and Homeowners Tenants Insurance Report — content.naic.org/article/homeowners-insurance-report. Retrieved 2026-04-19.
  2. Zillow Research — ZHVI (Zillow Home Value Index) + ZORI (Zillow Observed Rent Index) — www.zillow.com/research/data. Retrieved 2026-04-19.
  3. U.S. Census Bureau — American Community Survey (ACS) 5-year estimates — www.census.gov/programs-surveys/acs. Retrieved 2026-04-19.
  4. Internal Revenue Service — federal individual income tax brackets and standard deductions — www.irs.gov/forms-pubs/about-publication-17. Retrieved 2026-04-19.
  5. Freddie Mac Primary Mortgage Market Survey (PMMS) — weekly national mortgage rates — www.freddiemac.com/pmms. Retrieved 2026-04-19.
  6. Tax Foundation — Property Taxes Paid as % of Owner-Occupied Housing Value; State Tax Rates and Brackets; Estate/Inheritance; Social Security Taxation — taxfoundation.org/data/all/state. Retrieved 2026-04-19.
  7. State Departments of Revenue — official bracket + deduction publications (one primary URL per state; linked in the brackets table below) — taxfoundation.org/data/all/state/state-income-tax-rates. Retrieved 2026-04-19.
  8. Bureau of Economic Analysis — Regional Price Parities by State — www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area. Retrieved 2026-04-19.
  9. U.S. Department of Labor — State Minimum Wage Laws — www.dol.gov/agencies/whd/minimum-wage/state. Retrieved 2026-04-19.
  10. FRED (Federal Reserve Economic Data) — real median household income, unemployment, HPI, LFPR per state — fred.stlouisfed.org. Retrieved 2026-04-19.
  11. BLS Occupational Employment and Wage Statistics (OEWS) — state-level occupational wages — www.bls.gov/oes. Retrieved 2026-04-19.

CalcFi does not sell data. If you spot an error, email [email protected] with the URL and the correct figure.

Calculadoras relacionadas

  • Estimador de Seguro de Hogar
  • Comparador de Seguros de Auto
  • Calculadora de Seguro de Vida
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Assumptions· 2026

  • ·Premium estimate based on dwelling replacement cost × actuarial rate factor by state/zone
  • ·HO-3 open-peril policy assumed as standard; HO-5 and HO-8 noted where relevant
  • ·Liability coverage default: $100,000; umbrella uplift option shown
  • ·National median premium ~$1,900/yr (2026 NAIC); coastal and catastrophe zones significantly higher
When this is wrong
  • ·Flood insurance: excluded from HO-3; must be purchased separately via NFIP or private market
  • ·Earthquake coverage: excluded in most states; endorsement or separate policy required
  • ·Carrier-specific underwriting: claims history, roof age, credit score alter final premium 20–50%
  • ·Inflation guard and historically reliable replacement cost endorsements affecting rebuild coverage
Assumptions· 2026▾
  • ·Premium estimate based on dwelling replacement cost × actuarial rate factor by state/zone
  • ·HO-3 open-peril policy assumed as standard; HO-5 and HO-8 noted where relevant
  • ·Liability coverage default: $100,000; umbrella uplift option shown
  • ·National median premium ~$1,900/yr (2026 NAIC); coastal and catastrophe zones significantly higher
When this is wrong
  • ·Flood insurance: excluded from HO-3; must be purchased separately via NFIP or private market
  • ·Earthquake coverage: excluded in most states; endorsement or separate policy required
  • ·Carrier-specific underwriting: claims history, roof age, credit score alter final premium 20–50%
  • ·Inflation guard and historically reliable replacement cost endorsements affecting rebuild coverage

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Your Results

Based on your inputs

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Annual Premium
$2,437

$203/month

Cost per $100K
$696

Coverage cost ratio

Deductible
$1,000

HO-3 Standard

Premium by Deductible Level

Dwelling Coverage (A)$350,000
Other Structures (B)$35,000
Personal Property (C)$175,000
Loss of Use (D)$70,000
Liability (E)$300,000
Medical Payments (F)$5,000
Deductible$1,000
Estimated Annual Premium$2,437
Monthly Premium$203

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Published byJere Salmisto· Founder, CalcFiReviewed byCalcFi EditorialEditorial standardsMethodologyLast verified April 21, 2026

Primary sources & authoritative references

Every formula on this page traces to a federal agency, central bank, or peer-reviewed institution. We cite the rule-makers, not secondhand blogs.

  • CFPB — Loan Estimate: hazard insurance requirements — Consumer Financial Protection BureauRESPA-mandated disclosure tying insurance requirement to loan. (opens in new tab)
  • HUD — Homeowner insurance guidance for mortgage borrowers — U.S. Department of Housing and Urban Development (opens in new tab)
  • U.S. Census Bureau — Housing characteristics and costs — U.S. Census BureauAmerican Housing Survey data on insurance cost distributions. (opens in new tab)

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