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Flora city, IL

ZIP 62839 — 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 62839

Median Home Value
$90,800
Median Rent
$566
Affordability Snapshot
$25,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$583/mo PITI).

13%
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.

13.4 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 62839 in Flora 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 $583. That sits below the local median household income ($54,241), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
82.3%+26% vs US avg
x
Vacancy Rate
9.3%-10% vs US avg
x
Broadband Access
88.2%+1% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
8.5%-34% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
6.5%-87% vs US avg
x
Mortgage-Free
48.9%+28% vs US avg
x
$90,800
Home Value
$566
Rent
1965
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached75.2%
  • 1-unit attached0.0%
  • 2-9 units6.3%
  • 10+ units4.1%
  • Mobile home & other14.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$90,800
Median rent$566
Owner-occupied82.3%
Vacant9.3%
Price-to-income1.7x
Est. income to buy$25,000