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Carthage city, IL

ZIP 62321 — 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 62321

Median Home Value
$120,600
Median Rent
$542
Affordability Snapshot
$33,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$775/mo PITI).

9%
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.

18.5 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 62321 in Carthage city, IL, a household would need roughly $33,000 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 $775. That sits below the local median household income ($74,859), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.5%+17% vs US avg
x
Vacancy Rate
15.6%+51% vs US avg
x
Broadband Access
79.1%-9% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
5.9%-54% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
6.4%-87% vs US avg
x
Mortgage-Free
47.3%+24% vs US avg
x
$120,600
Home Value
$542
Rent
1958
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached80.4%
  • 1-unit attached0.3%
  • 2-9 units13.5%
  • 10+ units4.3%
  • Mobile home & other1.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$120,600
Median rent$542
Owner-occupied76.5%
Vacant15.6%
Price-to-income1.6x
Est. income to buy$33,000