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Mount Carroll city, IL

ZIP 61053 — 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 61053

Median Home Value
$105,400
Median Rent
$551
Affordability Snapshot
$29,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$677/mo PITI).

11%
Rent-to-Income Ratio

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

1.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.9 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 61053 in Mount Carroll city, IL, a household would need roughly $29,000 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 $677. That sits below the local median household income ($61,932), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.3%+23% vs US avg
x
Vacancy Rate
15.2%+48% vs US avg
x
Broadband Access
88.7%+2% vs US avg
x
4+ Bedrooms
5.9%-60% vs US avg
x
Built Pre-1939
3.9%-69% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
10.3%-79% vs US avg
x
Mortgage-Free
46.3%+21% vs US avg
x
$105,400
Home Value
$551
Rent
1957
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 detached84.8%
  • 1-unit attached0.7%
  • 2-9 units8.0%
  • 10+ units2.9%
  • Mobile home & other3.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$105,400
Median rent$551
Owner-occupied80.3%
Vacant15.2%
Price-to-income1.7x
Est. income to buy$29,000