C-

Wilmington, IL

Source:

Affordability Score: 53/100

Population: 11,851 · 1 ZIP codes

The affordability dashboard for Wilmington, IL aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 11,851 residents, then layers in county-level federal data to produce an overall grade of C- (53/100). The headline inputs are median household income of $79,042, median home value of $232,600, median rent of $1,034 per month, and 16.7% 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 $1,781 per month (studio $1,480, 1BR $1,581, 3BR $2,294, 4BR $2,653). Department of Labor data lists infant center-based childcare at $15,825 per year, consuming 20% 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. Pressure points are education, childcare. Unemployment currently reads 5.3% and poverty 10.0% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income B-
$79,042
Median household income
Education F
16.7%
Bachelor's degree or higher
Housing B-
2.9x
Home value $232,600 vs income
Commute D
27 min
Average commute time
Rent C
$1,781/mo
2BR fair market rent (27% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare F
$15,825/yr
Center-based infant care (20% of income)

Income & Employment

Median Income
$79,042
▲ 27% vs national
Per Capita Income
$39,384
Unemployment Rate
5.3%
Poverty Rate
10.0%

Housing

Median Home Value
$232,600
▼ 15% vs national
Median Rent
$1,034/mo
Owner Occupied
74.1%
2BR Fair Market Rent
$1,781/mo
▲ 48% vs national

Fair Market Rents by Bedroom

Studio
$1,480
1BR
$1,581
2BR
$1,781
3BR
$2,294
4BR
$2,653

Safety

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

Education & Family

Bachelor's Degree+
16.7%
▼ 13 ppt vs national
High School+
59.0%
Median Age
44.5
Avg. Commute
27 min
▲ 1 min vs national

Childcare Costs

Infant (Center)
$15,825/yr
20% of income
Toddler (Center)
$14,647/yr
Preschool (Center)
$13,260/yr
School-Age (Center)
$3,034/yr

What This Means

Wilmington, IL receives an overall affordability grade of C- (53/100), aggregated from 1 ZIP codes with a total population of 11,851. Challenges include education and childcare. Data was unavailable for safety — these dimensions were excluded from the overall score.

Nearby City Dashboards

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What are common questions about this dashboard?

Is Wilmington, IL affordable?
Wilmington, IL receives an overall affordability grade of C- (53/100) based on Census, HUD, FBI, and DOL data. Median household income is $79,042. Median home value is $232,600.
What is the cost of living in Wilmington?
Key cost metrics: Median rent $1,034/mo. 2BR fair market rent $1,781/mo. Infant childcare $15,825/yr. Median home value $232,600.
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 →