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Back in 2014, spending $500,000 on a house was generally reserved for high earners. The typical U.S. home sold for $159,000, while starter homes averaged just $101,000. Fast-forward to today, and prices have more than doubled: A home now sells for $440,000, with starter homes approaching $300,000. 

These current prices have put homeownership out of reach for many – and things don't look to be improving. Prices are still , affordability keeps dropping, and are becoming harder to find as home values . This has created a very sluggish and difficult housing market. In fact, even the usual busy spring and summer buying seasons were this year.

While $500,000 once stretched much further, in many cities today, it's not nearly enough. But what about Champaign?

To find out, found listings near the $500,000 mark to see what types of homes you can actually afford in Champaign right now. Listings below $500,000 were included if necessary.

1511 River Bluff Ct, Mahomet, IL 61853
- Price: $499,900
- 5 bedrooms, 3.5 bathrooms
- Square feet: 2,726
- See 1511 River Bluff Ct, Mahomet, IL 61853 on

2107 Max Run Dr, Champaign, IL 61822
- Price: $492,000
- 5 bedrooms, 3.5 bathrooms
- Square feet: 2,297
- See 2107 Max Run Dr, Champaign, IL 61822 on

4712 Watermark Dr, Champaign, IL 61822
- Price: $490,000
- 5 bedrooms, 3.5 bathrooms
- Square feet: 2,263
- See 4712 Watermark Dr, Champaign, IL 61822 on

1501 Quarry Rd, Mahomet, IL 61853
- Price: $480,000
- 5 bedrooms, 3.5 bathrooms
- Square feet: 2,247
- See 1501 Quarry Rd, Mahomet, IL 61853 on

5102 Jacks Blvd, Champaign, IL 61822
- Price: $479,900
- 5 bedrooms, 3.5 bathrooms
- Square feet: 2,228
- See 5102 Jacks Blvd, Champaign, IL 61822 on

313 Sutton St, Savoy, IL 61874
- Price: $484,900
- 5 bedrooms, 3.5 bathrooms
- Square feet: 2,178
- See 313 Sutton St, Savoy, IL 61874 on

2801 Valleybrook Dr, Champaign, IL 61822
- Price: $475,000
- 5 bedrooms, 3 bathrooms
- Square feet: 3,007
- See 2801 Valleybrook Dr, Champaign, IL 61822 on

2317 Joseph St, Champaign, IL 61822
- Price: $489,950
- 5 bedrooms, 2.5 bathrooms
- Square feet: 2,168
- See 2317 Joseph St, Champaign, IL 61822 on

1372 Treasure Ln, White Heath, IL 61884
- Price: $450,000
- 4 bedrooms, 3.5 bathrooms
- Square feet: 2,545
- See 1372 Treasure Ln, White Heath, IL 61884 on

2003 Mullikin Dr, Champaign, IL 61822
- Price: $454,900
- 4 bedrooms, 3.5 bathrooms
- Square feet: 2,421
- See 2003 Mullikin Dr, Champaign, IL 61822 on

1411 Brookhaven Dr, Mahomet, IL 61853
- Price: $449,900
- 4 bedrooms, 3.5 bathrooms
- Square feet: 2,279
- See 1411 Brookhaven Dr, Mahomet, IL 61853 on

1312 Stonecrest Dr, Mahomet, IL 61853
- Price: $480,000
- 4 bedrooms, 3.5 bathrooms
- Square feet: 2,018
- See 1312 Stonecrest Dr, Mahomet, IL 61853 on

5008 Emmas Way, Champaign, IL 61822
- Price: $479,000
- 4 bedrooms, 3.5 bathrooms
- Square feet: 2,012
- See 5008 Emmas Way, Champaign, IL 61822 on

3311 Palmer Dr, Champaign, IL 61822
- Price: $454,900
- 4 bedrooms, 3.5 bathrooms
- Square feet: 1,795
- See 3311 Palmer Dr, Champaign, IL 61822 on

413 Beringer Cir, Urbana, IL 61802
- Price: $475,000
- 4 bedrooms, 3 bathrooms
- Square feet: 2,278
- See 413 Beringer Cir, Urbana, IL 61802 on

806 Cole Ln, Mahomet, IL 61853
- Price: $439,900
- 4 bedrooms, 3 bathrooms
- Square feet: 2,070
- See 806 Cole Ln, Mahomet, IL 61853 on

1 Forest Ct, Monticello, IL 61856
- Price: $474,500
- 4 bedrooms, 3 bathrooms
- Square feet: 1,866
- See 1 Forest Ct, Monticello, IL 61856 on

407 Potomac Ave, Savoy, IL 61874
- Price: $454,900
- 4 bedrooms, 3 bathrooms
- Square feet: 1,796
- See 407 Potomac Ave, Savoy, IL 61874 on

701 Bergamot St, Savoy, IL 61874
- Price: $429,900
- 4 bedrooms, 3 bathrooms
- Square feet: 1,618
- See 701 Bergamot St, Savoy, IL 61874 on

4007 Turnberry Dr, Champaign, IL 61822
- Price: $479,000
- 4 bedrooms, 2.5 bathrooms
- Square feet: 3,166
- See 4007 Turnberry Dr, Champaign, IL 61822 on

1710 Littlefield Ln, Mahomet, IL 61853
- Price: $469,999
- 4 bedrooms, 2.5 bathrooms
- Square feet: 2,366
- See 1710 Littlefield Ln, Mahomet, IL 61853 on

1318 Broadmoor Dr, Champaign, IL 61821
- Price: $459,900
- 3 bedrooms, 3.5 bathrooms
- Square feet: 2,500
- See 1318 Broadmoor Dr, Champaign, IL 61821 on

2004 Emerald Dr, Champaign, IL 61822
- Price: $449,900
- 3 bedrooms, 3 bathrooms
- Square feet: 2,004
- See 2004 Emerald Dr, Champaign, IL 61822 on

4 Forest Dr, Monticello, IL 61856
- Price: $488,500
- 3 bedrooms, 3 bathrooms
- Square feet: 1,910
- See 4 Forest Dr, Monticello, IL 61856 on

407 Harpers Ferry, Savoy, IL 61874
- Price: $490,000
- 3 bedrooms, 2.5 bathrooms
- Square feet: 2,162
- See 407 Harpers Ferry, Savoy, IL 61874 on

302 Sutton St, Savoy, IL 61874
- Price: $434,900
- 3 bedrooms, 2.5 bathrooms
- Square feet: 1,970
- See 302 Sutton St, Savoy, IL 61874 on

2524 County Road 500 E, Mahomet, IL 61853
- Price: $474,900
- 3 bedrooms, 2 bathrooms
- Square feet: 2,210
- See 2524 County Road 500 E, Mahomet, IL 61853 on

1632 Cobblefield Rd, Champaign, IL 61822
- Price: $449,000
- 3 bedrooms, 2 bathrooms
- Square feet: 2,019
- See 1632 Cobblefield Rd, Champaign, IL 61822 on

704 Isabella Dr, Mahomet, IL 61853
- Price: $457,000
- 3 bedrooms, 2 bathrooms
- Square feet: 1,592
- See 704 Isabella Dr, Mahomet, IL 61853 on