ZIP Code 62321 — Carthage city, IL Demographics & Data

ZIP code 62321 covers Carthage, IL in Hancock County with a population of about 3,682.

At a glance, the area shows median age of 50.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 217, 447; U.S. House district IL-15; the QUINCY - HANNIBAL - KEOKUK media market.

Median household income in ZIP 62321 is about $74,859 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.4%; unemployment rate near 1.6%; 33.3% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Manufacturing, and Education; about 3.3% of workers reporting work-from-home (about 11.9 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $120,600 — about 65% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $542 (about 53% below the U.S. median rent ($1,163)), and owner-occupancy near 76.5% (about 11.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 62321 in Carthage, IL, a household would need roughly $33,000 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 $775. That sits below the local median household income ($74,859), 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.

FEMA’s National Risk Index rates natural-hazard risk for Carthage city, IL as Very Low (composite score 31.1), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (24.8) and flood (24.2). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Carthage city, IL show little to no average snow and around 40.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 205 for ZIP 62321 (Carthage city, IL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.