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Red Bud city, IL

ZIP 62278 — 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 62278

Median Home Value
$181,500
Median Rent
$693
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,166/mo PITI).

10%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.8 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 62278 in Red Bud city, IL, a household would need roughly $50,000 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 $1,166. That sits below the local median household income ($85,017), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
80.9%+24% vs US avg
x
Vacancy Rate
6.2%-40% vs US avg
x
Broadband Access
87.0%-0% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
7.0%-46% vs US avg
x
Built Post-2014
0.9%-86% vs US avg
x
Rent Burden >30%
15.9%-68% vs US avg
x
Mortgage-Free
45.5%+19% vs US avg
x
$181,500
Home Value
$693
Rent
1978
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached77.9%
  • 1-unit attached2.0%
  • 2-9 units8.7%
  • 10+ units3.8%
  • Mobile home & other7.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$181,500
Median rent$693
Owner-occupied80.9%
Vacant6.2%
Price-to-income2.1x
Est. income to buy$50,000