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Charleston city, IL

ZIP 61920 — 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 61920

Median Home Value
$144,700
Median Rent
$660
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$930/mo PITI).

15%
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.

18.3 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 61920 in Charleston city, IL, a household would need roughly $40,000 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 $930. That sits below the local median household income ($54,229), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
53.3%-19% vs US avg
x
Vacancy Rate
11.9%+15% vs US avg
x
Broadband Access
86.3%-1% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
29.6%-41% vs US avg
x
Mortgage-Free
50.6%+33% vs US avg
x
$144,700
Home Value
$660
Rent
1979
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 detached58.4%
  • 1-unit attached2.9%
  • 2-9 units18.3%
  • 10+ units17.1%
  • Mobile home & other3.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$144,700
Median rent$660
Owner-occupied53.3%
Vacant11.9%
Price-to-income2.7x
Est. income to buy$40,000