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Centralia city, IL

ZIP 62801 — 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 62801

Median Home Value
$91,100
Median Rent
$548
Affordability Snapshot
$25,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$585/mo PITI).

12%
Rent-to-Income Ratio

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

1.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.9 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 62801 in Centralia city, IL, a household would need roughly $25,000 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 $585. That sits below the local median household income ($53,740), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.7%+8% vs US avg
x
Vacancy Rate
12.9%+25% vs US avg
x
Broadband Access
85.4%-2% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
10.7%-17% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
27.1%-45% vs US avg
x
Mortgage-Free
55.5%+45% vs US avg
x
$91,100
Home Value
$548
Rent
1968
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached73.7%
  • 1-unit attached0.9%
  • 2-9 units8.9%
  • 10+ units4.6%
  • Mobile home & other11.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$91,100
Median rent$548
Owner-occupied70.7%
Vacant12.9%
Price-to-income1.7x
Est. income to buy$25,000