ZIP Code 61238 — Cambridge village, IL Demographics & Data

ZIP code 61238 covers Cambridge, IL in Henry County with a population of about 2,705.

At a glance, the area shows median age of 40.7 versus a U.S. median of about 38.9.

It sits in telephone area codes 309, 861; U.S. House district IL-16; the DAVENPORT - R. ISLAND - MOLINE media market.

Median household income in ZIP 61238 is about $75,294 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.0%; unemployment rate near 4.7%; 19.4% of adults with a bachelor’s degree or higher (about 14.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Education; about 7.8% of workers reporting work-from-home (about 7.4 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 $129,700 — about 63% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $588 (about 49% below the U.S. median rent ($1,163)), and owner-occupancy near 89.8% (about 24.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 61238 in Cambridge, IL, a household would need roughly $36,000 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 $833. That sits below the local median household income ($75,294), 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 Cambridge village, IL as Relatively Low (composite score 57.1), which is near the middle of the national distribution. The strongest component scores on US5 are flood (51.5) and hurricane (19.3). 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 Cambridge village, IL show little to no average snow and around 38.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 151 for ZIP 61238 (Cambridge village, 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.