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Oak Run CDP, IL

ZIP 61428 — 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 61428

Median Home Value
$250,000
Median Rent
$473
Affordability Snapshot
$69,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,606/mo PITI).

7%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

44.0 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 61428 in Oak Run CDP, IL, a household would need roughly $69,000 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 $1,606. That sits below the local median household income ($81,875), 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 42% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
94.2%+44% vs US avg
x
Vacancy Rate
41.9%+307% vs US avg
x
Broadband Access
89.1%+2% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
0.8%-93% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
10.7%-78% vs US avg
x
Mortgage-Free
55.7%+46% vs US avg
x
$250,000
Home Value
$473
Rent
1995
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached98.9%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$250,000
Median rent$473
Owner-occupied94.2%
Vacant41.9%
Price-to-income3.1x
Est. income to buy$69,000