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Smithboro village, IL

ZIP 62284 — 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 62284

Median Home Value
$131,000
Median Rent
N/A
Affordability Snapshot
$36,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$842/mo PITI).

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

To comfortably buy a median-priced home in ZIP 62284 in Smithboro village, IL, a household would need roughly $36,000 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 $842. That sits below the local median household income ($50,208), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
87.8%+34% vs US avg
x
Vacancy Rate
3.7%-64% vs US avg
x
Broadband Access
86.3%-1% vs US avg
x
4+ Bedrooms
1.1%-93% vs US avg
x
Built Pre-1939
8.8%-31% vs US avg
x
Built Post-2014
0.7%-89% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
59.7%+56% vs US avg
x
$131,000
Home Value
N/A
Rent
1967
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached82.8%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other17.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$131,000
Median rent$-666,666,666
Owner-occupied87.8%
Vacant3.7%
Price-to-income2.6x
Est. income to buy$36,000