ZIP Code 61873 — St. Joseph village, IL Demographics & Data

ZIP code 61873 covers St. Joseph, IL in Champaign County with a population of about 5,803.

At a glance, the area shows median age of 40.0 (near the U.S. median).

It sits in telephone area codes 217, 447; U.S. House district IL-15; the CHAMPAIGN & SPRNGFLD - DECATUR media market.

Median household income in ZIP 61873 is about $112,755 — about 50% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.6%; unemployment rate near 4.6%; 35.9% of adults with a bachelor’s degree or higher (about 2.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Retail trade; about 14.2% of workers reporting work-from-home (about 1.0 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 $246,300 — about 29% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $791 (about 32% below the U.S. median rent ($1,163)), and owner-occupancy near 85.8% (about 20.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 61873 in St. Joseph, IL, a household would need roughly $68,000 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 $1,582. That sits below the local median household income ($112,755), 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 St. Joseph village, IL as Relatively Moderate (composite score 90.5), which is among the highest nationally. The strongest component scores on US5 are flood (90.4) and hurricane (48.9). 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 St. Joseph 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 323 for ZIP 61873 (St. Joseph 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.