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Polo city, IL

ZIP 61064 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 61064

Median Home Value
$160,700
Median Rent
$567
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,032/mo PITI).

10%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 61064 in Polo city, IL, a household would need roughly $44,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,032. That sits below the local median household income ($71,296), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
67.9%+4% vs US avg
x
Vacancy Rate
9.9%-4% vs US avg
x
Broadband Access
90.2%+4% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
7.7%-40% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
13.7%-72% vs US avg
x
Mortgage-Free
41.4%+8% vs US avg
x
$160,700
Home Value
$567
Rent
1952
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached92.1%
  • 1-unit attached0.5%
  • 2-9 units6.8%
  • 10+ units0.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$160,700
Median rent$567
Owner-occupied67.9%
Vacant9.9%
Price-to-income2.3x
Est. income to buy$44,000