ZIP code 62640

ZIP 62640 is a small town in Macoupin County, Illinois, with 3,342 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #550 of 1,396 ranked by population — larger than 60% of them. The median age here is 44.5 years against 39.1 nationally, a slightly older profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 62640 earn a median of $64,438 a year, 18% below the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 18.5% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 62640 is valued at $165,500, 45.5% below the national figure, while median gross rent runs $786 a month, 44.1% below the national figure, or roughly $9,432 across a full year. A household on the local median income would put about 14.6% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.6×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 70.7% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 62640 is tabulated inside Macoupin County, Illinois, one of 18 ZIP areas the Census publishes for that county and 1,396 across Illinois. Population sits in the small-town band, typically one main street plus the addresses that feed into it. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 62640 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 62640 reports a median household income of $64,438, close to the $64,094 county median, and 11% below the $72,734 typical IL ZIP. Owner-occupied homes are valued at a median of $165,500, 44% above the county figure and 13% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $786 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Illinois charges 6.25% statewide, and local governments overlapping 62640 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 62640 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.