ZIP Code 60409 — Calumet City city, IL Demographics & Data

ZIP code 60409 covers Calumet City, IL in Cook County with a population of about 35,253.

At a glance, the area shows median age of 37.8 (near the U.S. median).

It sits in telephone area codes 464, 708; U.S. House district IL-2; the CHICAGO media market.

Median household income in ZIP 60409 is about $53,991 — about 28% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 23.3%; unemployment rate near 9.4%; 20.5% of adults with a bachelor’s degree or higher (about 13.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Transportation, and Retail trade; about 7.7% of workers reporting work-from-home (about 7.5 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 $133,600 — about 62% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $948 (about 18% below the U.S. median rent ($1,163)), and owner-occupancy near 55.9% (about 9.5 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 60409 in Calumet City, IL, a household would need roughly $37,000 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 $858. That sits below the local median household income ($53,991), 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 Calumet City city, IL as Very High (composite score 100.0), which is among the highest nationally. The strongest component scores on US5 are flood (99.9) and wildfire (55.8). 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 Calumet City city, IL show little to no average snow and around 42.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,962 for ZIP 60409 (Calumet City 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.