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Elsah village, IL

ZIP 62028 — 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 62028

Median Home Value
$167,600
Median Rent
$644
Affordability Snapshot
$46,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,077/mo PITI).

12%
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.

21.7 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 62028 in Elsah village, IL, a household would need roughly $46,000 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 $1,077. That sits below the local median household income ($62,656), 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 38% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
51.0%-22% vs US avg
x
Vacancy Rate
37.8%+267% vs US avg
x
Broadband Access
68.1%-22% vs US avg
x
4+ Bedrooms
4.1%-72% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
9.9%-80% vs US avg
x
Mortgage-Free
38.1%-0% vs US avg
x
$167,600
Home Value
$644
Rent
1963
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached76.7%
  • 1-unit attached0.0%
  • 2-9 units23.3%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$167,600
Median rent$644
Owner-occupied51.0%
Vacant37.8%
Price-to-income2.7x
Est. income to buy$46,000