ZIP Code 61704 — Bloomington city, IL Demographics & Data

ZIP code 61704 covers Bloomington, IL in McLean County with a population of about 36,938.

At a glance, the area shows median age of 36.7 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 61704 is about $93,107 — about 24% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.7%; unemployment rate near 2.0%; 58.4% of adults with a bachelor’s degree or higher (about 24.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Finance and insurance, Healthcare, and Education; about 20.3% of workers reporting work-from-home (about 5.1 points above 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 $242,000 — about 30% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $909 (about 22% below the U.S. median rent ($1,163)), and owner-occupancy near 66.2% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 61704 in Bloomington, IL, a household would need roughly $67,000 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 $1,555. That sits below the local median household income ($93,107), 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 Bloomington city, IL as Relatively Moderate (composite score 86.9), which is elevated versus much of the country. The strongest component scores on US5 are flood (85.2) and hurricane (32.5). 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 Bloomington city, IL show little to no average snow and around 39.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,056 for ZIP 61704 (Bloomington 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.