B+

Columbia, IL

Source:

Affordability Score: 77/100

Population: 12,562 · 1 ZIP codes

The affordability dashboard for Columbia, IL aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 12,562 residents, then layers in county-level federal data to produce an overall grade of B+ (77/100). The headline inputs are median household income of $108,981, median home value of $306,600, median rent of $1,128 per month, and 46.7% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,218 per month (studio $955, 1BR $995, 3BR $1,568, 4BR $1,812). Department of Labor data lists infant center-based childcare at $10,435 per year, consuming 10% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Strengths visible in the raw data for Columbia, IL include income, education, housing, rent, childcare. Unemployment currently reads 2.2% and poverty 5.6% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income A-
$108,981
Median household income
Education B+
46.7%
Bachelor's degree or higher
Housing B
2.8x
Home value $306,600 vs income
Commute D
27 min
Average commute time
Rent A+
$1,218/mo
2BR fair market rent (13% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare B+
$10,435/yr
Center-based infant care (10% of income)

Income & Employment

Median Income
$108,981
▲ 76% vs national
Per Capita Income
$51,278
Unemployment Rate
2.2%
Poverty Rate
5.6%

Housing

Median Home Value
$306,600
▲ 11% vs national
Median Rent
$1,128/mo
Owner Occupied
85.3%
2BR Fair Market Rent
$1,218/mo
▲ 2% vs national

Fair Market Rents by Bedroom

Studio
$955
1BR
$995
2BR
$1,218
3BR
$1,568
4BR
$1,812

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
46.7%
▲ 17 ppt vs national
High School+
65.6%
Median Age
42.3
Avg. Commute
27 min
▲ 1 min vs national

Childcare Costs

Infant (Center)
$10,435/yr
10% of income
Toddler (Center)
$9,793/yr
Preschool (Center)
$8,753/yr
School-Age (Center)
$2,166/yr

What This Means

Columbia, IL receives an overall affordability grade of B+ (77/100), aggregated from 1 ZIP codes with a total population of 12,562. This area performs well in income and education and housing and rent and childcare. Data was unavailable for safety — these dimensions were excluded from the overall score.

Nearby City Dashboards

Explore Columbia ZIP Codes
View all 1 ZIP codes with demographics and individual scorecards
View ZIPs →

What are common questions about this dashboard?

Is Columbia, IL affordable?
Columbia, IL receives an overall affordability grade of B+ (77/100) based on Census, HUD, FBI, and DOL data. Median household income is $108,981. Median home value is $306,600.
What is the cost of living in Columbia?
Key cost metrics: Median rent $1,128/mo. 2BR fair market rent $1,218/mo. Infant childcare $10,435/yr. Median home value $306,600.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →