St. Louis, MO-IL · Illinois

Macoupin County

ZIP 62685

44,566 residents60 permits TTM$68,518 median HHI18 ZIP codesUpdated April 16, 2026
Investor first look

Median home value

$126,100

ACS 5-Year

Cap rate proxy

11.6%

FMR × 0.65 ÷ Home Value

Rent-to-income

13.8%

HUD FMR ÷ ACS HHI

Net migration

+1.58%

IRS SOI

Permits (TTM)

60

Census BPS

Climate risk

79.9

FEMA NRI (0–100)

ZIP 62685

Median home value

Gross yield

Cap rate

5.7%

Rent gap

35.2%

Affordability

P/I: 2.4R/I:

Section 8 detail

SAFMR: $1,218Rent: $789Gap: 54.4%
ZIP code breakdown18 ZIP codes
ZIPMedian home valueRent (FMR 2BR)Gross yieldCap rateRent gap
6200912.8%35.2%
620937.5%35.2%
620698.3%35.2%
620338.3%35.2%
626907.9%35.2%

Ranked by composite score

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Demographics

Owner-occupied

77.7%

Census ACS

Vacancy rate

17.4%

Census ACS

Bachelor's degree +

18.8%

Census ACS

Rent burdened

32.8%

Census ACS (>30% income)

Median age

44.3

Census ACS

Data sources
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026