ZIP Code 62464 — Stoy village, IL Demographics & Data

ZIP code 62464 covers Stoy, IL in Crawford County with a population of about 197.

At a glance, the area shows median age of 40.1 (near the U.S. median).

It sits in telephone area codes 618, 730; U.S. House district IL-12; the TERRE HAUTE media market.

Median household income in ZIP 62464 is about $76,028 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.6%; unemployment rate near 3.2%; 1.8% of adults with a bachelor’s degree or higher (about 31.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Administrative support, Healthcare, and Manufacturing; about 1.1% of workers reporting work-from-home (about 14.1 points below the U.S. share (15.2%)); a mean commute of about 91.0 minutes (U.S. average near 26.8).

Median home value is about $101,600 — about 71% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 47.1% (about 18.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 62464 in Stoy, IL, a household would need roughly $28,000 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 $653. That sits below the local median household income ($76,028), 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 Stoy village, IL as Very Low (composite score 37.0), which is relatively lower than many U.S. communities. The strongest component scores on US5 are flood (43.7) and hurricane (24.8). 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 Stoy village, IL show limited published climate normals on US5.

IRS migration statistics show a net inflow of about 11 for ZIP 62464 (Stoy 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.