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Swansea village, IL

ZIP 62226 — 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 62226

Median Home Value
$162,500
Median Rent
$729
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,044/mo PITI).

13%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.6 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 62226 in Swansea village, IL, a household would need roughly $45,000 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 $1,044. That sits below the local median household income ($66,018), 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
65.6%+0% vs US avg
x
Vacancy Rate
11.6%+13% vs US avg
x
Broadband Access
89.7%+3% vs US avg
x
4+ Bedrooms
5.2%-65% vs US avg
x
Built Pre-1939
6.3%-51% vs US avg
x
Built Post-2014
0.2%-98% vs US avg
x
Rent Burden >30%
18.7%-62% vs US avg
x
Mortgage-Free
40.1%+5% vs US avg
x
$162,500
Home Value
$729
Rent
1975
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 detached65.6%
  • 1-unit attached3.8%
  • 2-9 units15.4%
  • 10+ units8.5%
  • Mobile home & other6.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$162,500
Median rent$729
Owner-occupied65.6%
Vacant11.6%
Price-to-income2.5x
Est. income to buy$45,000