ZIP Code 62281 — St. Jacob village, IL Demographics & Data

ZIP code 62281 covers St. Jacob, IL in Madison County with a population of about 3,018.

At a glance, the area shows median age of 35.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 618, 730; U.S. House district IL-15; the ST. LOUIS media market.

Median household income in ZIP 62281 is about $122,679 — about 63% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.0%; unemployment rate near 1.1%; 37.2% of adults with a bachelor’s degree or higher (about 3.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Public administration, and Healthcare; about 6.4% of workers reporting work-from-home (about 8.8 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $287,800 — about 17% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,004 (about 14% below the U.S. median rent ($1,163)), and owner-occupancy near 90.8% (about 25.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 62281 in St. Jacob, IL, a household would need roughly $79,000 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 $1,849. That sits below the local median household income ($122,679), 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.

FEMA’s National Risk Index rates natural-hazard risk for St. Jacob village, IL as Relatively Moderate (composite score 93.4), which is among the highest nationally. The strongest component scores on US5 are flood (92.3) and hurricane (32.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for St. Jacob village, IL show little to no average snow and around 43.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 168 for ZIP 62281 (St. Jacob village, IL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.