Easiest ZIP codes to buy in Illinois
Top 25 easiest ZIP codes to buy into in Illinois by price-to-income ratio. #1 is 62914 (Cairo) at about 0.8x. Compare buy-in affordability on US5.
These ZIP codes have the lowest median home price-to-income ratios in Illinois — a practical “buy-in difficulty” signal that combines local home values with local earnings.
Lowest ratios on this board: 62914 (Cairo) at about 0.8x; 62094 (Witt) at about 1.0x; 62621 (Bluffs) at about 1.1x.
Open a ZIP page for an illustrative “estimated income to buy” figure based on a transparent mortgage model (down payment, rate, taxes, and insurance assumptions).
Open any ZIP for a full demographics, income, and housing profile, or return to the Illinois state page for the complete ZIP table.
Ranked ZIP codes
| # | ZIP | City | County | Price-to-income | Population | Income | Home value |
|---|---|---|---|---|---|---|---|
| 1 | 62914 | Cairo | Alexander County | 0.8x | 1,785 | $35,362 | $28,900 |
| 2 | 62094 | Witt | Montgomery County | 1.0x | 1,018 | $60,083 | $62,900 |
| 3 | 62621 | Bluffs | Scott County | 1.1x | 1,162 | $86,750 | $92,200 |
| 4 | 61322 | De Pue | Bureau County | 1.1x | 1,550 | $60,481 | $64,300 |
| 5 | 62665 | Meredosia | Morgan County | 1.1x | 1,264 | $53,229 | $59,200 |
| 6 | 62205 | East St. Louis | St. Clair County | 1.1x | 5,760 | $41,059 | $46,200 |
| 7 | 61422 | Bushnell | McDonough County | 1.1x | 3,045 | $62,768 | $71,900 |
| 8 | 62540 | Kincaid | Christian County | 1.2x | 1,287 | $67,813 | $79,000 |
| 9 | 61447 | Kirkwood | Warren County | 1.2x | 1,053 | $82,321 | $96,200 |
| 10 | 62824 | Clay City | Clay County | 1.2x | 1,595 | $70,670 | $83,700 |
| 11 | 61933 | Kansas | Edgar County | 1.2x | 1,227 | $65,993 | $79,500 |
| 12 | 62240 | Dupo | St. Clair County | 1.2x | 1,994 | $70,298 | $84,800 |
| 13 | 61501 | Astoria | Fulton County | 1.2x | 1,612 | $56,250 | $68,400 |
| 14 | 62539 | Illiopolis | Sangamon County | 1.2x | 1,342 | $88,583 | $108,300 |
| 15 | 62988 | Tamms | Alexander County | 1.2x | 1,222 | $56,154 | $68,900 |
| 16 | 62017 | Coffeen | Montgomery County | 1.2x | 1,040 | $83,393 | $102,400 |
| 17 | 62082 | Roodhouse | Greene County | 1.2x | 2,394 | $60,982 | $75,100 |
| 18 | 61813 | Bement | Piatt County | 1.3x | 1,813 | $82,750 | $103,600 |
| 19 | 60942 | Hoopeston | Vermilion County | 1.3x | 5,635 | $55,284 | $70,000 |
| 20 | 62466 | Sumner | Lawrence County | 1.3x | 4,184 | $75,870 | $97,500 |
| 21 | 62090 | Venice | Madison County | 1.3x | 1,015 | $38,269 | $49,600 |
| 22 | 62047 | Hardin | Calhoun County | 1.3x | 1,833 | $110,982 | $144,100 |
| 23 | 62983 | Royalton | Franklin County | 1.3x | 1,623 | $50,625 | $65,900 |
| 24 | 62531 | Edinburg | Christian County | 1.3x | 1,799 | $96,020 | $125,000 |
| 25 | 62442 | Martinsville | Clark County | 1.3x | 2,629 | $65,000 | $84,900 |
Frequently asked questions
Which ZIP codes in Illinois are easiest to buy into?
By median home price-to-income ratio, 62914 (Cairo) ranks near the top at about 0.8x. Lower ratios generally mean local incomes go further against local home prices.
How does US5 rank ZIP codes in Illinois?
We rank indexable ZIP codes with both income and home-value data by lowest median home price-to-income ratio (with a population floor).
Where can I explore all ZIP codes in Illinois?
Visit the Illinois state page for the full ZIP table, demographics summary, and sortable income/housing columns.