ZIP Code 61278 — Rapids City village, IL Demographics & Data

ZIP code 61278 covers Rapids City, IL in Rock Island County with a population of about 671.

At a glance, the area shows median age of 51.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 309, 861; U.S. House district IL-17; the DAVENPORT - R. ISLAND - MOLINE media market.

Median household income in ZIP 61278 is about $84,000 — about 12% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.2%; unemployment rate near 7.6%; 21.6% of adults with a bachelor’s degree or higher (about 12.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Education, and Healthcare; about 8.1% of workers reporting work-from-home (about 7.1 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 $222,600 — about 36% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 95.1% (about 29.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 61278 in Rapids City, IL, a household would need roughly $61,000 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 $1,430. That sits below the local median household income ($84,000), 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 Rapids City village, IL as Relatively Moderate (composite score 84.1), which is elevated versus much of the country. The strongest component scores on US5 are flood (79.5) and hurricane (13.8). 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 Rapids City village, IL show little to no average snow and around 37.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 37 for ZIP 61278 (Rapids City 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.