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Bismarck village, IL

ZIP 61814 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 61814

Median Home Value
$112,000
Median Rent
$648
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$719/mo PITI).

13%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.4 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 61814 in Bismarck village, IL, a household would need roughly $31,000 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 $719. That sits below the local median household income ($57,727), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
85.9%+31% vs US avg
x
Vacancy Rate
1.1%-89% vs US avg
x
Broadband Access
76.5%-12% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
13.9%+9% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
30.1%-39% vs US avg
x
Mortgage-Free
65.6%+72% vs US avg
x
$112,000
Home Value
$648
Rent
1970
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached83.0%
  • 1-unit attached1.1%
  • 2-9 units5.9%
  • 10+ units0.0%
  • Mobile home & other9.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$112,000
Median rent$648
Owner-occupied85.9%
Vacant1.1%
Price-to-income1.9x
Est. income to buy$31,000