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220 S Main St, Palmyra, IL, 62674

3beds
2baths
1,679sqft
$80,000
$48price/sqft
$714/moest. monthly cost
$28,560/yrincome needed

About This Home

Are you looking for an older home that you can make your own?? This home boast of the old wood trim and doors. Beautiful staircase. The rooms in the house are roomy. Home has hardwood floors under the carpet through out. Beveled window on front door. The garage is a 1 car garage that has tons of room on the West side. Come check this house and add your loving TLC to to make it your home!!! HOME IS BEING SOLD AS IS

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

7/10
3/10
1/10
Northwestern High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1890

Materials

  • Foundation: Block,Brick/Mortar
  • Roof: Shingle
  • Construction materials: Frame,Aluminum Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dryer,Range Hood,Microwave,Range,Refrigerator,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedroom1

  • Level: Upper
  • Dimensions: 13ft 2in x 14ft 5in

Bedroom2

  • Level: Upper
  • Dimensions: 13ft 5in x 10ft 0in

Bedroom3

  • Level: Upper
  • Dimensions: 13ft 5in x 11ft 7in

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),High Speed Internet
  • Window features: Replacement Windows,Blinds
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Living Room
  • Fireplace: Yes
  • Attic: Storage

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 1,679
  • Total interior livable area: 1,679 sqft

Kitchen

  • Level: Main
  • Dimensions: 19ft 2in x 13ft 5in

Laundry

  • Level: Main
  • Dimensions: 10ft 6in x 12ft 1in

Living Room

  • Level: Main
  • Dimensions: 13ft 3in x 13ft 9in

Main Level

  • Area: 1022

Other

  • Level: Main
  • Dimensions: 14ft 3in x 13ft 1in

Other

  • Level: Main
  • Dimensions: 13ft 5in x 13ft 5in

Upper Level

  • Area: 657

Property

Details

  • Parcel number: 1900081400

Features

  • Levels: Two
  • Patio & porch: Porch

Lot

  • Lot size: 7,200 sqft
  • Features: Corner Lot,Level
  • Lot size dimensions: 60 x 120

Parking

  • Total spaces: 1.5
  • Parking features: Attached,Gravel,Paved
  • Has garage: Yes
  • Attached garage spaces: 1.5
  • Covered spaces: 1.5

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Hail
Heat Wave
Inland Flooding
Lightning
Strong Wind
Tornado
Drought
Winter Weather

FEMA Declared Disasters Across Illinois Counties

Flood

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $404$4,848
Home Insurance *$88$1,056
Property Taxes $92$1,104
Electricity $130$1,569
Total$714$8,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$24,480/yr
40% on housing$21,420/yr
45% on housing$19,040/yr

Illinois FAIR Plan Programs

Illinois FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,961Commercial: 62
Total Premiums$4.35M
Total Exposure$370.02M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.4%
8.4%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$48This listing

vs Other Active Listings

Avg $/sqft

ZIP 62674$117
Macoupin County$102

vs Homes Sold Last Month

Median $/sqft

ZIP 62674$107
Macoupin County$101

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-07-17Listed for sale$80,000

For Sale by Agent

AgentJoyce Clagg
BrokerageKeller Williams Capital

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