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Amboy city, IL

ZIP 61310 — 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 61310

Median Home Value
$173,700
Median Rent
$660
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,116/mo PITI).

11%
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.

21.9 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 61310 in Amboy city, IL, a household would need roughly $48,000 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 $1,116. That sits below the local median household income ($75,417), 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

Vacancy rate 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.5%+20% vs US avg
x
Vacancy Rate
13.8%+34% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
5.7%-61% vs US avg
x
Built Pre-1939
4.2%-67% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
8.8%-82% vs US avg
x
Mortgage-Free
49.6%+30% vs US avg
x
$173,700
Home Value
$660
Rent
1962
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached79.6%
  • 1-unit attached0.8%
  • 2-9 units11.7%
  • 10+ units0.7%
  • Mobile home & other7.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$173,700
Median rent$660
Owner-occupied78.5%
Vacant13.8%
Price-to-income2.3x
Est. income to buy$48,000