ZIP Code 61857 — Muncie village, IL Demographics & Data

ZIP code 61857 covers Muncie, IL in Vermilion County with a population of about 144.

At a glance, the area shows median age of 53.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 217, 447; U.S. House district IL-2; the CHAMPAIGN & SPRNGFLD - DECATUR media market.

Median household income in ZIP 61857 is about $78,750 — about 5% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.6%; unemployment rate near 5.8%; 22.7% of adults with a bachelor’s degree or higher (about 11.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Professional services, and Other services; about 3.7% of workers reporting work-from-home (about 11.5 points below the U.S. share (15.2%)); a mean commute of about 79.0 minutes (U.S. average near 26.8).

Median home value is about $76,700 — about 78% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 94.3% (about 28.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 61857 in Muncie, IL, a household would need roughly $21,000 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 $493. That sits below the local median household income ($78,750), 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 Muncie village, IL as Relatively Low (composite score 78.8), which is elevated versus much of the country. The strongest component scores on US5 are flood (76.5) and hurricane (46.2). 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 Muncie village, IL show little to no average snow and around 41.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 8 for ZIP 61857 (Muncie 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.