PlainZIP

Franklin, IL · standard

ZIP Code 62638

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

1,337
8/sq mi
$86,538
Median income
$130,100
Median home value
15.5%
Bachelor's or higher

The verdict

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

Top 30%
household income, US ZIPs
20th pct
home value, US ZIPs
8
people per sq mi
75%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 62638 against every reporting US ZIP.

ZIP code 62638 is a sparsely populated ZIP (a standard USPS delivery area) in Franklin, Morgan County, Illinois, home to just 1,337 residents across 175.9 square miles, a density of 8 people per square mile, in the Chicago time zone.

ZIP 62638 lands in the middle-income range, with a median household income of $86,538 (8% above the Illinois average), while per-capita income is $48,124. The poverty rate stands at 4.5% and the unemployment rate at 2.6%. On housing, the median home value is $130,100 (32% below the state average) with median rent at $971 per month, and 75.1% of occupied units are owner-occupied.

Educational attainment sits below the national norm: 15.5% of adults hold a bachelor's degree or higher, the median age is 45.7, and the average commute is 26 minutes. A geography-based comparison follows: 5 ZIP codes within about 10 miles of 62638, plus 6 more within Morgan County, give a clearer read than the national average alone.

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 →

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 62638, Franklin, 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

1,337

Population

175.9

Area (sq mi)

8

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 62638?

45.7

Median Age

50.6%

Male

49.4%

Female

1.3%

Foreign-Born

White 98.8%
African American 0.0%
Asian 0.4%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 0.8%
Hispanic or Latino 0.8%

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?

$86,538

Median Household Income

+8% vs state

$48,124

Per Capita Income

4.5%

Poverty Rate

2.6%

Unemployment Rate

25.5 min

Mean Commute Time

How ZIP 62638 ranks nationally

Franklin, IL household income vs. every US ZIP code

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

$86,538 Top 30% higher than 70% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $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 70.5%
Bachelor's Degree or Higher 15.5%

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

What does housing look like?

577

Total Housing Units

526

Occupied Units

51

Vacant Units

2.82

Avg Household Size

Occupancy Type

Owner 75.1%
Renter 24.9%

$130,100

Median Home Value

-32% vs state

$971

Median Rent

1970

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

+14.9%

YoY Change (2021)

179

HPI Index (2000 = 100)

+79%

Total Change Since 2000

Home values in ZIP 62638 have increased 14.9% over the past year (2021). Since 2000, this ZIP has seen +79% cumulative appreciation.

Year Annual Change HPI Index
2017 +3.0% 150
2018 +4.0% 156
2019 -4.3% 149
2020 +4.5% 156
2021 +14.9% 179

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 2021. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 19 business establishments in ZIP 62638, employing approximately 110 people with a combined annual payroll of $3,943,000.

19

Businesses

110

Employees

$3.9M

Annual Payroll

2

Industry Sectors

Industry Establishments % of Total
Wholesale trade 4 21.1%
Transportation and warehousing 3 15.8%

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 62638 vs 62695 →

ZIP 62638 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 62638 ranks #3 by population - useful context the national average alone can't give.

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

ZIP 62638 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 62638 ranks #2 of 6 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
62695 Woodson, IL 296 7.7 mi
62692 Waverly, IL 2,093 7.7 mi
62601 Alexander, IL 434 10.1 mi
62667 Modesto, IL 464 9.0 mi
62650 Jacksonville, IL 26,992 11.7 mi

More ZIP Codes in Morgan County

62650 standard
Jacksonville, IL
Pop: 26,992
62692 standard
Waverly, IL
Pop: 2,093
62665 standard
Meredosia, IL
Pop: 1,629
62668 standard
Murrayville, IL
Pop: 1,512
62628 standard
Chapin, IL
Pop: 896
62601 standard
Alexander, IL
Pop: 434

Related Areas

Morgan County Franklin, IL Illinois

Frequently Asked Questions

What county is ZIP code 62638 in? ▼
ZIP code 62638 (Franklin) is located in Morgan County, Illinois. Morgan County contains multiple ZIP codes, see the full list at /counties/morgan-il.
What is the population of ZIP code 62638? ▼
ZIP code 62638 in Franklin, IL has a population of 1,337 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 62638? ▼
The median household income in ZIP 62638 is $86,538, which is 13% above the national average of $76,288.
What is the average home value in ZIP 62638? ▼
The median home value in ZIP 62638 is $130,100, which is 53% below the national average of $278,155.
What is the demographic makeup of ZIP 62638? ▼
The largest racial group in ZIP 62638 is White at 98.8%. Hispanic or Latino residents make up 0.8% of the population.
How many businesses are in ZIP code 62638? ▼
ZIP code 62638 has 19 business establishments employing approximately 110 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
How have home values changed in ZIP code 62638? ▼
According to the FHFA House Price Index, home values in ZIP 62638 increased by 14.9% in 2021. Since 2000, home values in this ZIP have appreciated by approximately 79%. 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 62638? ▼
In ZIP code 62638, 70.5% of residents aged 25+ have a high school diploma or higher, and 15.5% 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 62638? ▼
The mean commute time for workers in ZIP code 62638 is 25.5 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 62638? ▼
In ZIP code 62638, approximately 75.1% of occupied housing units are owner-occupied and 24.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 62638? ▼
The poverty rate in ZIP code 62638 is 4.5% 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.