US5.com
  1. Home
  2. States
  3. Illinois
  4. ZIP 62565
  5. Housing & Real Estate
Shelbyville city, IL

ZIP 62565 — 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 62565

Median Home Value
$131,900
Median Rent
$592
Affordability Snapshot
$36,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$847/mo PITI).

12%
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.

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 62565 in Shelbyville city, IL, a household would need roughly $36,000 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 $847. That sits below the local median household income ($61,722), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.6%+6% vs US avg
x
Vacancy Rate
13.2%+28% vs US avg
x
Broadband Access
90.3%+4% vs US avg
x
4+ Bedrooms
3.3%-77% vs US avg
x
Built Pre-1939
8.3%-35% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
16.9%-66% vs US avg
x
Mortgage-Free
52.2%+37% vs US avg
x
$131,900
Home Value
$592
Rent
1958
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached84.0%
  • 1-unit attached3.1%
  • 2-9 units6.9%
  • 10+ units3.3%
  • Mobile home & other2.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$131,900
Median rent$592
Owner-occupied69.6%
Vacant13.2%
Price-to-income2.1x
Est. income to buy$36,000