PlainZIP

Pontiac, IL · standard

ZIP Code 61764

Livingston County, Illinois - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

14,460
34/sq mi
$68,781
Median income
$127,400
Median home value
17.5%
Bachelor's or higher

The verdict

Pontiac pairs a below-median household income with among the most affordable home values nationally, in a rural, homeowner-dominated area.

45th pct
household income, US ZIPs
19th pct
home value, US ZIPs
34
people per sq mi
68%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 61764 against every reporting US ZIP.

ZIP code 61764 is a mid-sized community (a standard USPS delivery area) in Pontiac, Livingston County, Illinois, home to 14,460 residents across 421.6 square miles, a density of 34 people per square mile, in the Chicago time zone.

ZIP 61764 reports a modest median household income of $68,781 (14% below the Illinois average), while per-capita income is $33,274. The poverty rate stands at 14.0% and the unemployment rate at 4.3%. Median home value sits at $127,400 (34% below the state average), median rent at $857 a month, and owner-occupancy at 67.8%.

Educational attainment sits below the national norm: 17.5% of adults hold a bachelor's degree or higher, the median age is 42.2, and the average commute is 17 minutes. To put 61764 in local context, 4 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Livingston County, for a geography-aware comparison.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 61764

Top 5 sectors by establishment count in Pontiac, IL

Which industries have the most business establishments in ZIP 61764.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 61764, Pontiac, IL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

14,460

Population

421.6

Area (sq mi)

34

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 61764?

42.2

Median Age

52.5%

Male

47.5%

Female

2.5%

Foreign-Born

White 84.5%
African American 7.7%
Asian 1.4%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.5%
Two or More Ethnicities 4.8%
Hispanic or Latino 4.9%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$68,781

Median Household Income

-14% vs state

$33,274

Per Capita Income

14.0%

Poverty Rate

4.3%

Unemployment Rate

17.0 min

Mean Commute Time

How ZIP 61764 ranks nationally

Pontiac, IL household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$68,781 45th percentile higher than 45% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 56.5%
Bachelor's Degree or Higher 17.5%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

5,945

Total Housing Units

5,377

Occupied Units

568

Vacant Units

2.22

Avg Household Size

Occupancy Type

Owner 67.8%
Renter 32.2%

$127,400

Median Home Value

-34% vs state

$857

Median Rent

1966

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+16.6%

YoY Change (2024)

176

HPI Index (2000 = 100)

+76%

Total Change Since 2000

Home values in ZIP 61764 have increased 16.6% over the past year (2024). Since 2000, this ZIP has seen +76% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.4% 128
2021 +3.1% 132
2022 +16.0% 153
2023 -1.3% 151
2024 +16.6% 176

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 331 business establishments in ZIP 61764, employing approximately 5,380 people with a combined annual payroll of $264,033,000.

331

Businesses

5,380

Employees

$264.0M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Retail trade 56 16.9%
Other services (except public administration) 44 13.3%
Accommodation and food services 43 13.0%
Health care and social assistance 36 10.9%
Construction 25 7.5%
Finance and insurance 25 7.5%
Professional, scientific, and technical services 18 5.4%
Administrative and support and waste management and remediation services 17 5.1%
Transportation and warehousing 14 4.2%
Manufacturing 10 3.0%
Real estate and rental and leasing 10 3.0%
Wholesale trade 9 2.7%
Information 7 2.1%
Arts, entertainment, and recreation 7 2.1%
Agriculture, forestry, fishing and hunting 4 1.2%
Utilities 3 0.9%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 61764 vs 60460 →

ZIP 61764 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 61764 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 61764 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 61764 ranks #5 of 5 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
60460 Odell, IL 1,522 9.5 mi
61726 Chenoa, IL 2,544 10.7 mi
61319 Cornell, IL 1,293 11.2 mi
61739 Fairbury, IL 4,897 11.7 mi

More ZIP Codes in Livingston County

60420 standard
Dwight, IL
Pop: 6,102
61739 standard
Fairbury, IL
Pop: 4,897
61744 standard
Gridley, IL
Pop: 2,031
61741 standard
Forrest, IL
Pop: 1,746
61740 standard
Flanagan, IL
Pop: 1,634
60460 standard
Odell, IL
Pop: 1,522

Related Areas

Livingston County Pontiac, IL Illinois

Frequently Asked Questions

What county is ZIP code 61764 in? ▼
ZIP code 61764 (Pontiac) is located in Livingston County, Illinois. Livingston County contains multiple ZIP codes, see the full list at /counties/livingston-il.
What is the population of ZIP code 61764? ▼
ZIP code 61764 in Pontiac, IL has a population of 14,460 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 61764? ▼
The median household income in ZIP 61764 is $68,781, which is 10% below the national average of $76,288.
What is the average home value in ZIP 61764? ▼
The median home value in ZIP 61764 is $127,400, which is 54% below the national average of $278,155.
What is the demographic makeup of ZIP 61764? ▼
The largest racial group in ZIP 61764 is White at 84.5%. Hispanic or Latino residents make up 4.9% of the population.
How many businesses are in ZIP code 61764? ▼
ZIP code 61764 has 331 business establishments employing approximately 5,380 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 61764? ▼
The top industries by establishment count in ZIP 61764 are: Retail trade (56), Other services (except public administration) (44), Accommodation and food services (43). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 61764? ▼
According to the FHFA House Price Index, home values in ZIP 61764 increased by 16.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 76%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 61764? ▼
In ZIP code 61764, 56.5% of residents aged 25+ have a high school diploma or higher, and 17.5% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 61764? ▼
The mean commute time for workers in ZIP code 61764 is 17.0 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 61764? ▼
In ZIP code 61764, approximately 67.8% of occupied housing units are owner-occupied and 32.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 61764? ▼
The poverty rate in ZIP code 61764 is 14.0% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.