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La Harpe city, IL

ZIP 61450 — 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 61450

Median Home Value
$95,400
Median Rent
$443
Affordability Snapshot
$26,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$613/mo PITI).

8%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

1.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.9 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 61450 in La Harpe city, IL, a household would need roughly $26,000 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 $613. That sits below the local median household income ($66,071), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.6%+23% vs US avg
x
Vacancy Rate
10.8%+5% vs US avg
x
Broadband Access
74.5%-14% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
3.4%-73% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
16.3%-67% vs US avg
x
Mortgage-Free
52.4%+37% vs US avg
x
$95,400
Home Value
$443
Rent
1968
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached83.3%
  • 1-unit attached1.5%
  • 2-9 units8.1%
  • 10+ units0.0%
  • Mobile home & other7.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$95,400
Median rent$443
Owner-occupied80.6%
Vacant10.8%
Price-to-income1.4x
Est. income to buy$26,000