ZIP Code 61274 — Osco CDP, IL Demographics & Data

ZIP code 61274 covers Osco, IL in Henry County with a population of about 206.

At a glance, the area shows median age of 62.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 309, 861; U.S. House district IL-16; the DAVENPORT - R. ISLAND - MOLINE media market.

Osco, IL fits a retirement-oriented profile (high share of residents 65+ (38.4%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 61274 is about $97,656 — about 30% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.2%; unemployment rate near 10.7%; 31.4% of adults with a bachelor’s degree or higher (about 2.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Agriculture, and Education; a mean commute of about 100.0 minutes (U.S. average near 26.8).

Median home value is about $130,700 — about 62% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 61274 in Osco, IL, a household would need roughly $36,000 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 $840. That sits below the local median household income ($97,656), 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 Osco CDP, IL as Relatively Low (composite score 57.1), which is near the middle of the national distribution. The strongest component scores on US5 are flood (51.5) and hurricane (19.3). 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 Osco CDP, IL show little to no average snow and around 39.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 11 for ZIP 61274 (Osco 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.