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Learn about the people, housing, costs and businesses in 61431
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in 61431.
True all-in cost — P&I, taxes, insurance & utilities for homes in 61431.
Find and compare lenders active near 61431.
As of today, the 30-year fixed mortgage rate for ZIP code 61431 is approximately 7.625% (7.738% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for ZIP code 61431The median home value in ZIP code 61431 is $83k. The median monthly rent is $821. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in ZIP code 61431 have increased 8.5% over the past two years. This represents moderate growth. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $815/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $35k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in ZIP code 61431 is $59k/year.
Calculate your buying powerThe largest employment sectors in ZIP code 61431 are public administration (28%) and retail (16%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.