ZIP Code 61078 — Lake Carroll CDP, IL Demographics & Data

ZIP code 61078 covers Lake Carroll, IL in Carroll County with a population of about 1,411.

At a glance, the area shows median age of 37.9 (near the U.S. median).

It sits in telephone area codes 779, 815; U.S. House district IL-17; the DAVENPORT - R. ISLAND - MOLINE media market.

Median household income in ZIP 61078 is about $75,150 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.6%; unemployment rate near 1.3%; 18.2% of adults with a bachelor’s degree or higher (about 15.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Manufacturing; about 12.0% of workers reporting work-from-home (about 3.2 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $128,500 — about 63% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $704 (about 39% below the U.S. median rent ($1,163)), and owner-occupancy near 85.9% (about 20.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 61078 in Lake Carroll, IL, a household would need roughly $35,000 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 $825. That sits below the local median household income ($75,150), 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.

FEMA’s National Risk Index rates natural-hazard risk for Lake Carroll CDP, IL as Very Low (composite score 39.0), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (46.5) and wildfire (13.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Lake Carroll CDP, IL show little to no average snow and around 40.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 79 for ZIP 61078 (Lake Carroll CDP, IL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.