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Urbana city, IL

ZIP 61802 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 61802

Median Home Value
$158,300
Median Rent
$836
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,017/mo PITI).

17%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.8 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 61802 in Urbana city, IL, a household would need roughly $44,000 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 $1,017. That sits below the local median household income ($58,588), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
55.7%-15% vs US avg
x
Vacancy Rate
8.3%-19% vs US avg
x
Broadband Access
86.5%-1% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
20.9%-58% vs US avg
x
Mortgage-Free
49.3%+29% vs US avg
x
$158,300
Home Value
$836
Rent
1986
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached48.6%
  • 1-unit attached7.3%
  • 2-9 units14.0%
  • 10+ units17.6%
  • Mobile home & other12.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$158,300
Median rent$836
Owner-occupied55.7%
Vacant8.3%
Price-to-income2.7x
Est. income to buy$44,000