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Kinmundy city, IL

ZIP 62854 — 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 62854

Median Home Value
$88,900
Median Rent
$346
Affordability Snapshot
$24,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$571/mo PITI).

7%
Rent-to-Income Ratio

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

1.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.4 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 62854 in Kinmundy city, IL, a household would need roughly $24,000 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 $571. That sits below the local median household income ($60,114), 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
87.5%+34% vs US avg
x
Vacancy Rate
8.6%-17% vs US avg
x
Broadband Access
74.0%-15% vs US avg
x
4+ Bedrooms
7.5%-50% vs US avg
x
Built Pre-1939
4.5%-65% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.2%-59% vs US avg
x
Mortgage-Free
32.3%-16% vs US avg
x
$88,900
Home Value
$346
Rent
1972
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached73.4%
  • 1-unit attached0.0%
  • 2-9 units4.4%
  • 10+ units0.3%
  • Mobile home & other22.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$88,900
Median rent$346
Owner-occupied87.5%
Vacant8.6%
Price-to-income1.5x
Est. income to buy$24,000