ZIP Code 61260 — Joy village, IL Demographics & Data

ZIP code 61260 covers Joy, IL in Mercer County with a population of about 635.

At a glance, the area shows median age of 39.9 (near the U.S. median).

It sits in telephone area codes 309, 861; U.S. House district IL-15; the DAVENPORT - R. ISLAND - MOLINE media market.

Median household income in ZIP 61260 is about $47,500 — about 37% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.4%; unemployment rate near 3.9%; 7.6% of adults with a bachelor’s degree or higher (about 26.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Manufacturing, and Retail trade; about 26.7% of workers reporting work-from-home (about 11.5 points above 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 $83,800 — about 76% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $580 (about 50% below the U.S. median rent ($1,163)), and owner-occupancy near 69.3% (about 3.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 61260 in Joy, IL, a household would need roughly $23,000 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 $538. That sits below the local median household income ($47,500), 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 Joy village, IL as Very Low (composite score 8.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (11.3) and flood (9.2). 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 Joy village, IL show little to no average snow and around 39.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 35 for ZIP 61260 (Joy 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.