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St. Jacob village, IL

ZIP 62281 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 62281

Median Home Value
$287,800
Median Rent
$1,004
Affordability Snapshot
$79,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,849/mo PITI).

10%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.9 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 62281 in St. Jacob village, IL, a household would need roughly $79,000 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 $1,849. That sits below the local median household income ($122,679), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
90.8%+39% vs US avg
x
Vacancy Rate
3.4%-67% vs US avg
x
Broadband Access
92.7%+7% vs US avg
x
4+ Bedrooms
8.4%-43% vs US avg
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
1.9%-72% vs US avg
x
Rent Burden >30%
24.5%-51% vs US avg
x
Mortgage-Free
25.7%-33% vs US avg
x
$287,800
Home Value
$1,004
Rent
2001
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 detached95.7%
  • 1-unit attached0.4%
  • 2-9 units3.7%
  • 10+ units0.0%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$287,800
Median rent$1,004
Owner-occupied90.8%
Vacant3.4%
Price-to-income2.3x
Est. income to buy$79,000