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Wood River city, IL

ZIP 62095 — 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 62095

Median Home Value
$106,700
Median Rent
$715
Affordability Snapshot
$29,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$685/mo PITI).

13%
Rent-to-Income Ratio

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

1.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.4 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 62095 in Wood River city, IL, a household would need roughly $29,000 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 $685. That sits below the local median household income ($66,641), 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
69.8%+7% vs US avg
x
Vacancy Rate
10.0%-3% vs US avg
x
Broadband Access
92.4%+6% vs US avg
x
4+ Bedrooms
3.5%-77% vs US avg
x
Built Pre-1939
10.6%-17% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
24.4%-51% vs US avg
x
Mortgage-Free
34.7%-9% vs US avg
x
$106,700
Home Value
$715
Rent
1955
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached83.1%
  • 1-unit attached0.3%
  • 2-9 units11.4%
  • 10+ units4.9%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$106,700
Median rent$715
Owner-occupied69.8%
Vacant10.0%
Price-to-income1.6x
Est. income to buy$29,000