AcreScore โ€” What's this?
50/ 100

Carroll County, IL

Carroll County offers building opportunities in Northern Illinois, though some factors need consideration.

๐Ÿ“Š50/100AcreScore
๐Ÿ’ฐ$7KLand $/acre
๐Ÿ $115KHome Value
๐Ÿ‘ฅ14,305Population
๐Ÿ“ˆ+-0.9%Growth (10yr)
๐ŸŒŠ4%Flood RiskLow
๐ŸŒก๏ธCold HumidClimateZone 5A

๐Ÿ—๏ธ Can You Build Here?

Carroll County has local zoning regulations. Check with the county building department for specific rules on your parcel. Barndominiums may require conditional use permits in some zones.

ZoneMin LotBarndo OK?
ResidentialVariesโš ๏ธ Conditional
AgriculturalNoneโœ… Yes
CommercialVariesโŒ No

Carroll County has local zoning. Contact the county building department for specific regulations.

๐Ÿ“‹ What Permits Do You Need?

Most states allow owner-builders to act as their own general contractor for personal residences. Check Illinois requirements โ€” licensed subs are typically needed for electrical, plumbing, and HVAC.

Required Permits

  • โ€ข Building permit (residential)
  • โ€ข Septic permit (if no public sewer)
  • โ€ข Electrical permit
  • โ€ข Plumbing permit

Permit Office

Carroll County Building Department Mount Carroll, IL Contact county clerk for current hours and requirements

๐ŸŒŠ What's the Flood & Soil Risk?

Very low flood risk. Only 4% of Carroll County land falls within FEMA-designated flood zones โ€” well below the national average.

4%
In Flood Zone
Good
Soil Drainage
Good
Septic Viability

Source: FEMA National Flood Hazard Layer, USDA Web Soil Survey

๐Ÿ’ฐ What Does It Cost?

Affordable land market. At roughly $6,500 per acre, Carroll County offers good value for builders looking for rural acreage.

$7K
Median $/acre
$115K
Median Home Value
$120โ€“200
Build Cost $/sqft
2.3%
Property Tax Rate

Source: U.S. Census Bureau ACS 2024, Carroll County Assessor

๐Ÿ”๏ธ Why People Love Living Here

Carroll County sits in the heart of Northern Illinois. Sterling is 25 min away. Illinois has a state income tax โ€” factor that into your cost-of-living calculations.

๐Ÿ—๏ธ

Affordable Land

Median land at $6,500/acre means you can buy more, build bigger, and still stay under budget.

๐Ÿ 

Established Community

Zoning provides predictability โ€” you know what your neighbors can and can't build. Good for long-term property value.

At a Glance

Population14,305
10-Year Growth-0.9%
County SeatMount Carroll
State Income TaxYes
ClimateCold Humid (Zone 5A)

How Close Is Everything?

Sterling25 min
DBQ45 min
Austinvaries

๐Ÿ’ง Utilities & Infrastructure

Most rural Carroll County land uses well water and septic systems. Municipal utilities are available near Mount Carroll. Check with local utility providers for your specific parcel.

Electric ProviderLocal Co-op / TXU
WaterWell or Municipal
SewerSeptic (most rural)
InternetVaries by location
Cell CoverageVariable
Natural GasPropane common in rural areas

๐Ÿฆ Financing & Incentives

Carroll County qualifies for USDA Rural Development loans โ€” zero-down-payment financing for eligible buyers in most areas.

โœ… USDA Eligible
Zero down payment
FHA / VA
Available county-wide
2.3%
Property tax rate

Check USDA eligibility for your address โ†’

๐Ÿ“ Nearby Counties

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โ“ Frequently Asked Questions

Can I build a barndominium in Carroll County?
Check with the Carroll County Building Department for specific zoning rules on your parcel. Some zones allow barndominiums outright, others may require conditional use permits.
How much does land cost in Carroll County?
Median price is approximately $6,500 per acre, though prices vary by location, road access, and improvements. USDA Rural Development loans may be available for eligible buyers.
Is Carroll County eligible for USDA Rural Development loans?
Yes โ€” most of Carroll County qualifies for USDA Rural Development programs, including zero-down-payment home loans for eligible buyers.
What is the property tax rate in Carroll County?
The effective property tax rate is approximately 2.3%. Check with the county assessor for the most current rates and any available homestead exemptions.
Do I need a licensed contractor to build in Carroll County?
Most states allow owner-builders to act as their own general contractor for personal residences, though requirements vary by state and county. In Illinois, check local building codes for specific licensing requirements. You'll typically need licensed professionals for electrical, plumbing, and HVAC work.