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Arcola city, IL

ZIP 61910 — 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 61910

Median Home Value
$147,500
Median Rent
$543
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$948/mo PITI).

8%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.6 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 61910 in Arcola city, IL, a household would need roughly $41,000 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 $948. That sits below the local median household income ($83,173), 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
77.7%+19% vs US avg
x
Vacancy Rate
5.1%-50% vs US avg
x
Broadband Access
73.3%-16% vs US avg
x
4+ Bedrooms
7.2%-51% vs US avg
x
Built Pre-1939
2.9%-78% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
9.7%-81% vs US avg
x
Mortgage-Free
44.5%+16% vs US avg
x
$147,500
Home Value
$543
Rent
1976
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached79.8%
  • 1-unit attached5.9%
  • 2-9 units7.6%
  • 10+ units2.2%
  • Mobile home & other4.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$147,500
Median rent$543
Owner-occupied77.7%
Vacant5.1%
Price-to-income1.8x
Est. income to buy$41,000