C+

Modesto, IL

Source:

Affordability Score: 64/100

Population: 464 · 1 ZIP codes

The affordability dashboard for Modesto, IL aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 464 residents, then layers in county-level federal data to produce an overall grade of C+ (64/100). The headline inputs are median household income of $63,088, median home value of $154,400, median rent of $688 per month, and 30.8% 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 $916 per month (studio $694, 1BR $698, 3BR $1,145, 4BR $1,423). Department of Labor data lists infant center-based childcare at $10,267 per year, consuming 16% 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 Modesto, IL include housing, rent. Unemployment currently reads 5.0% and poverty 6.5% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income C-
$63,088
Median household income
Education C-
30.8%
Bachelor's degree or higher
Housing A-
2.4x
Home value $154,400 vs income
Commute N/A
N/A
Average commute time
Rent A-
$916/mo
2BR fair market rent (17% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare D
$10,267/yr
Center-based infant care (16% of income)

Income & Employment

Median Income
$63,088
▲ 2% vs national
Per Capita Income
$31,174
Unemployment Rate
5.0%
Poverty Rate
6.5%

Housing

Median Home Value
$154,400
▼ 44% vs national
Median Rent
$688/mo
Owner Occupied
88.1%
2BR Fair Market Rent
$916/mo
▼ 24% vs national

Fair Market Rents by Bedroom

Studio
$694
1BR
$698
2BR
$916
3BR
$1,145
4BR
$1,423

Safety

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

Education & Family

Bachelor's Degree+
30.8%
▲ 1 ppt vs national
High School+
59.3%
Median Age
53.8
Avg. Commute

Childcare Costs

Infant (Center)
$10,267/yr
16% of income
Toddler (Center)
$9,204/yr
Preschool (Center)
$9,818/yr
School-Age (Center)
$1,895/yr

What This Means

Modesto, IL receives an overall affordability grade of C+ (64/100), aggregated from 1 ZIP codes with a total population of 464. This area performs well in housing and rent. Data was unavailable for commute, safety — these dimensions were excluded from the overall score.

Nearby City Dashboards

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What are common questions about this dashboard?

Is Modesto, IL affordable?
Modesto, IL receives an overall affordability grade of C+ (64/100) based on Census, HUD, FBI, and DOL data. Median household income is $63,088. Median home value is $154,400.
What is the cost of living in Modesto?
Key cost metrics: Median rent $688/mo. 2BR fair market rent $916/mo. Infant childcare $10,267/yr. Median home value $154,400.
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 →