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Toluca city, IL

ZIP 61369 — 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 61369

Median Home Value
$115,000
Median Rent
$565
Affordability Snapshot
$32,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$739/mo PITI).

10%
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.

17.0 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 61369 in Toluca city, IL, a household would need roughly $32,000 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 $739. That sits below the local median household income ($67,554), 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 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.2%+23% vs US avg
x
Vacancy Rate
22.0%+113% vs US avg
x
Broadband Access
87.8%+1% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
9.5%-26% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
10.4%-79% vs US avg
x
Mortgage-Free
51.2%+34% vs US avg
x
$115,000
Home Value
$565
Rent
1956
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached87.3%
  • 1-unit attached1.7%
  • 2-9 units9.7%
  • 10+ units0.8%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$115,000
Median rent$565
Owner-occupied80.2%
Vacant22.0%
Price-to-income1.7x
Est. income to buy$32,000