ZIP Code 61523 — Chillicothe city, IL Demographics & Data

ZIP code 61523 covers Chillicothe, IL in Peoria County with a population of about 10,188.

At a glance, the area shows median age of 43.2 versus a U.S. median of about 38.9.

It sits in telephone area codes 309, 861; U.S. House district IL-16; the PEORIA - BLOOMINGTON media market.

Median household income in ZIP 61523 is about $74,100 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.5%; unemployment rate near 3.4%; 27.4% of adults with a bachelor’s degree or higher (about 6.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 7.6% of workers reporting work-from-home (about 7.6 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 $151,600 — about 56% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $637 (about 45% below the U.S. median rent ($1,163)), and owner-occupancy near 83.3% (about 17.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 61523 in Chillicothe, IL, a household would need roughly $42,000 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 $974. That sits below the local median household income ($74,100), 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 Chillicothe city, IL as Relatively Moderate (composite score 90.7), which is among the highest nationally. The strongest component scores on US5 are flood (88.7) and hurricane (30.7). 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 Chillicothe city, IL show little to no average snow and around 38.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 567 for ZIP 61523 (Chillicothe city, 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.