ZIP Code 61054 — Mount Morris village, IL Demographics & Data

ZIP code 61054 covers Mount Morris, IL in Ogle County with a population of about 3,617.

At a glance, the area shows median age of 48.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 779, 815; U.S. House district IL-16; the ROCKFORD media market.

Median household income in ZIP 61054 is about $43,852 — about 42% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.3%; unemployment rate near 3.5%; 19.1% of adults with a bachelor’s degree or higher (about 14.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Food services; about 5.7% of workers reporting work-from-home (about 9.5 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 $118,500 — about 66% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $449 (about 61% below the U.S. median rent ($1,163)), and owner-occupancy near 67.4% (about 2.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 61054 in Mount Morris, IL, a household would need roughly $33,000 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 $761. That sits below the local median household income ($43,852), 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 Mount Morris village, IL as Relatively Low (composite score 71.1), which is elevated versus much of the country. The strongest component scores on US5 are flood (77.0) and hurricane (13.6). 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 Mount Morris village, IL show little to no average snow and around 40.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 201 for ZIP 61054 (Mount Morris village, 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.