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Georgetown city, IL

ZIP 61846 — 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 61846

Median Home Value
$77,800
Median Rent
$558
Affordability Snapshot
$21,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$500/mo PITI).

12%
Rent-to-Income Ratio

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

1.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.6 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 61846 in Georgetown city, IL, a household would need roughly $21,000 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 $500. That sits below the local median household income ($57,341), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.3%+14% vs US avg
x
Vacancy Rate
12.1%+17% vs US avg
x
Broadband Access
86.5%-1% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
6.1%-52% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
5.8%-88% vs US avg
x
Mortgage-Free
58.6%+53% vs US avg
x
$77,800
Home Value
$558
Rent
1962
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached83.5%
  • 1-unit attached0.7%
  • 2-9 units9.4%
  • 10+ units1.0%
  • Mobile home & other5.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$77,800
Median rent$558
Owner-occupied74.3%
Vacant12.1%
Price-to-income1.4x
Est. income to buy$21,000