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Champaign city, IL

ZIP 61821 — 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 61821

Median Home Value
$174,800
Median Rent
$802
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,123/mo PITI).

14%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.2 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 61821 in Champaign city, IL, a household would need roughly $48,000 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 $1,123. That sits below the local median household income ($69,284), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
61.9%-5% vs US avg
x
Vacancy Rate
9.6%-7% vs US avg
x
Broadband Access
92.1%+6% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
6.4%-50% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
22.4%-55% vs US avg
x
Mortgage-Free
37.5%-2% vs US avg
x
$174,800
Home Value
$802
Rent
1968
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached67.1%
  • 1-unit attached5.1%
  • 2-9 units14.7%
  • 10+ units12.1%
  • Mobile home & other1.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$174,800
Median rent$802
Owner-occupied61.9%
Vacant9.6%
Price-to-income2.5x
Est. income to buy$48,000