ZIP Code 61038 — Garden Prairie CDP, IL Demographics & Data

ZIP code 61038 covers Garden Prairie, IL in Boone County with a population of about 1,395.

At a glance, the area shows median age of 46.7 versus a U.S. median of about 38.9.

It sits in telephone area codes 779, 815; U.S. House district IL-11; the ROCKFORD media market.

Median household income in ZIP 61038 is about $69,808 — about 7% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.9%; unemployment rate near 5.3%; 14.7% of adults with a bachelor’s degree or higher (about 19.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Manufacturing; about 10.3% of workers reporting work-from-home (about 4.9 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 $274,200 — about 21% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 94.9% (about 29.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 61038 in Garden Prairie, IL, a household would need roughly $75,000 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 $1,761. That is roughly in line with the local median household income ($69,808). 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 Garden Prairie CDP, IL as Relatively Low (composite score 57.3), which is near the middle of the national distribution. The strongest component scores on US5 are flood (63.9) and hurricane (8.8). 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 Garden Prairie CDP, IL show little to no average snow and around 37.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 78 for ZIP 61038 (Garden Prairie CDP, 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.