What is the median home value in St. Clair County, IL?

The median home value in St. Clair County, IL is $168,800, according to the latest Census ACS 5-Year Estimates.

What is the cap rate in St. Clair County, IL?

The cap rate proxy in St. Clair County, IL is 8.7% (estimated from HUD Fair Market Rent and Census home values with a 35% expense ratio). This is above average for cash-flow investors.

How much new construction is happening in St. Clair County, IL?

St. Clair County has 254,777 residents and issued 487 building permits over the trailing twelve months, according to the Census Building Permits Survey.

St. Louis, MO-IL · Illinois

St. Clair County

254,777 residents487 permits TTM$70,178 median HHI27 ZIP codesUpdated April 28, 2026

Investor first look

Median home value

$168,800

ACS 5-Year

Cap rate proxy

8.7%

FMR × 0.65 ÷ Home Value

Rent-to-income

17.6%

HUD FMR ÷ ACS HHI

Net migration

+1.31%

IRS SOI

Permits (TTM)

487

Census BPS

Climate risk

94.9

FEMA NRI (0–100)

ZIP code breakdown27 ZIP codes

ZIP	Median home value	Rent (FMR 2BR)	Gross yield	Cap rate	Rent gap
62205	$31,710	$1,170	44.3%	39.1%	11.8%
62240	$78,204	$1,180	18.1%	15.8%	12.5%
62203	$37,771	$1,130	35.9%	32.8%	8.7%
62225	$168,800county est.	$1,830	13.0%	7.3%	43.6%
62232	$142,330	$1,220	10.3%	8.7%	15.4%

Ranked by composite score

Median home value	Rent (FMR 2BR)	Gross yield	Cap rate	Rent gap
$31,748	$990	37.4%	39.0%	-4.2%
$48,252	$1,190	29.6%	34.2%	-15.7%
$39,106	$990	30.4%	31.7%	-4.2%
$55,002	$990	21.6%	22.5%	-4.2%
$106,778	$990	11.1%	11.6%	-4.2%
$122,574	$1,060	10.4%	10.1%	2.6%
$148,875	$1,080	8.7%	8.7%	0.5%
$178,621	$1,090	7.3%	8.1%	-10.0%
$186,157	$1,320	8.5%	8.0%	6.4%
$157,000	$1,110	8.5%	7.9%	7.0%
$168,800county est.	$1,000	7.1%	7.3%	-3.2%
$168,800county est.	$1,010	7.2%	7.3%	-2.2%
$168,800county est.	$990	7.0%	7.3%	-4.2%
$168,800county est.	$990	7.0%	7.3%	-4.2%
$175,254	$1,180	8.1%	7.1%	12.5%
$301,092	$1,420	5.7%	7.0%	-23.9%
$204,928	$1,340	7.8%	6.0%	23.0%
$242,451	$1,230	6.1%	5.6%	7.9%
$253,666	$1,310	6.2%	4.9%	21.2%
$267,852	$1,270	5.7%	4.6%	18.7%
$291,070	$1,300	5.4%	4.3%	20.6%
$299,506	$990	4.0%	4.1%	-4.2%

Demographics

Owner-occupied

67.8%

Census ACS

Vacancy rate

12.2%

Census ACS

Bachelor's degree +

30.7%

Census ACS

Rent burdened

43.6%

Census ACS (>30% income)

Median age

39.5

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 28, 2026

St. Clair County

See all 27 ZIPs ranked by yield and cap rate