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Sparta city, IL

ZIP 62286 — 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 62286

Median Home Value
$148,800
Median Rent
$498
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$956/mo PITI).

9%
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.

24.9 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 62286 in Sparta city, IL, a household would need roughly $41,000 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 $956. That sits below the local median household income ($64,118), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.6%+5% vs US avg
x
Vacancy Rate
13.9%+35% vs US avg
x
Broadband Access
86.0%-1% vs US avg
x
4+ Bedrooms
4.2%-71% vs US avg
x
Built Pre-1939
5.9%-54% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
13.2%-73% vs US avg
x
Mortgage-Free
44.3%+16% vs US avg
x
$148,800
Home Value
$498
Rent
1972
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 detached65.4%
  • 1-unit attached0.6%
  • 2-9 units12.4%
  • 10+ units3.4%
  • Mobile home & other18.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$148,800
Median rent$498
Owner-occupied68.6%
Vacant13.9%
Price-to-income2.3x
Est. income to buy$41,000