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Geneseo city, IL

ZIP 61254 — 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 61254

Median Home Value
$217,700
Median Rent
$711
Affordability Snapshot
$60,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,398/mo PITI).

11%
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.

25.5 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 61254 in Geneseo city, IL, a household would need roughly $60,000 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 $1,398. That sits below the local median household income ($81,141), 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
82.0%+25% vs US avg
x
Vacancy Rate
5.8%-43% vs US avg
x
Broadband Access
86.4%-1% vs US avg
x
4+ Bedrooms
4.8%-67% vs US avg
x
Built Pre-1939
5.9%-54% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
17.9%-64% vs US avg
x
Mortgage-Free
41.4%+8% vs US avg
x
$217,700
Home Value
$711
Rent
1971
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached83.5%
  • 1-unit attached2.0%
  • 2-9 units10.1%
  • 10+ units3.3%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$217,700
Median rent$711
Owner-occupied82.0%
Vacant5.8%
Price-to-income2.7x
Est. income to buy$60,000