Real Estate Investing in Loami, Illinois

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

1 ZIP codes • Population: 1,360 • Sangamon County

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Should you buy in Loami, IL? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (71/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • Elevated poverty: 21.1% poverty rate — can affect rent collection.

What’s happening in Loami, IL?

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3.0/ 5

Investability

Citywide average

3.0/ 5

Appreciation

6.9% 5yr CAGR

5.0/ 5

Landlord Climate

Regulatory friendliness

🏦 30-yr Fixed Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS
Avg Investability
Avg Home Value $211,616
Avg Monthly Rent $1,008
ZIP Codes 1

Investing in Loami Real Estate

Loami (Illinois) spans 1 ZIPs and roughly a sizable population. firmly the fundamentals here skew distressed, with soft rents, soft appreciation, and structural headwinds worth respecting.

The investment case for Loami is difficult to make on screen data alone. a stretch for a 3.0 rating and a cap rate of 0.0% that looks fine only until you underwrite the vacancy.

Rent trends and price trends in Loami are both soft, which is the uncomfortable combination that defines distressed-leaning markets in Illinois.

The 0% renter share in Loami masks uneven tenant quality across ZIPs, and $N/AK median income leaves little cushion against economic shocks.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Best ZIP codes in Springfield, IL

Loami is part of this metro. Every ZIP in it, ranked. Free.

Cash Flow → Appreciation → Affordable →

Landlord Ground Truth

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Avg Home Value
$211,616
Avg Monthly Rent
$1,008
1% Rule
✗ Below
Landlord Friendly (IL)

📉 Market Crash Risk Index

Based on Springfield, IL metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
35%
Days Pending
0/2
21 days

View all metro crash risk rankings →

⚖️ Balanced Market — Springfield, IL metro
21
Days to pending
10.8%
Listings with price cuts
0.0%
Sale-to-list ratio
📅 Data as of August 29, 2026 — updated weekly

ZIP Codes in Loami, IL

Screen every ZIP in Loami

Filter Loami’s ZIPs by cap rate, vacancy, appreciation and 30+ more criteria, and export your shortlist to CSV — with the Investor plan ($19/mo).

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Frequently Asked Questions About Loami, IL

What are home prices like in Loami, IL?

The median home value in Loami, IL is roughly $212K. That puts it reasonable relative to the IL statewide average.

Are tenants stable in Loami, IL?

Loami, IL draws a stable base of working renters. Demand at the $1,008/mo rent level is reasonable for standard single-family and small multi rentals.

How strict are landlord regulations in Loami, IL?

Rental owners in Loami, IL deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.

Is Loami, IL suited for a house hack?

For house hackers, Loami, IL is a challenging. The $1,008/mo rent on a unit helps defray the mortgage on a $212K property.

Is Loami, IL a good place for real estate investing?

Loami, IL registers an investability rating of 3.0/5, with median home values near $212K and average rents around $1,008/mo. That combination puts it in the robust tier for investor interest.

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