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Momence city, IL

ZIP 60954 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 60954

Median Home Value
$159,000
Median Rent
$686
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,021/mo PITI).

14%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.3 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 60954 in Momence city, IL, a household would need roughly $44,000 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 $1,021. That sits below the local median household income ($58,636), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
75.6%+16% vs US avg
x
Vacancy Rate
7.2%-30% vs US avg
x
Broadband Access
79.6%-8% vs US avg
x
4+ Bedrooms
3.2%-79% vs US avg
x
Built Pre-1939
7.1%-44% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.3%-59% vs US avg
x
Mortgage-Free
53.9%+41% vs US avg
x
$159,000
Home Value
$686
Rent
1960
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached84.6%
  • 1-unit attached0.7%
  • 2-9 units9.4%
  • 10+ units4.2%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$159,000
Median rent$686
Owner-occupied75.6%
Vacant7.2%
Price-to-income2.7x
Est. income to buy$44,000