Real Estate Investing in Windsor, Illinois (61465)

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

Mercer County • Population: 1,251 • Data updated: September 2026

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Should you buy in 61465 (Windsor, IL)? Our answer, based on the numbers below.

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

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

📈 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 vacancy: 9.8% vacancy may signal weakening demand.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Windsor, IL (61465)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $166,137
Avg Monthly Rent $837
1% Rule ✗ Does Not Meet
Median Income $55,958
% Renters 6.8%

Market Analysis: 61465 Windsor

This part of Mercer County is not an easy win. The 61465 ZIP shows softness in key indicators, and the playbook that works in cleaner markets often stalls here.

Turning to rents, the numbers look inviting — $166K purchase price, 0.0% nominal cap — the work to hit that pro forma in 61465 is substantial and deserves full respect.

In the broader IL picture, 61465 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Demographically, 61465 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

New investors are better served looking at Windsor's stable or hybrid ZIPs before stepping into 61465. The learning curve here is expensive when the lesson is wrong.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Windsor:

C+ Average
Buy Confidence Score: 68/100
Affordability
20/25
Appreciation
18/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 3× the median income
Value Trend
Rising (+11.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $837/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.

Market Trends

Home Value History (with trend line)

$170K$163K$156K$148K$141K$134KFeb 2021Nov 2023Jul 2026

📊 How Does 61465 Compare?

Metric 61465 Windsor Illinois
Home Value $166,137 $162,706 $279,761
5-Year CAGR 3.6% 5.7% 6.6%
Avg Rent $837 $833 -
Cap Rate 3.9% 4.0% -
💡 Why Invest in 61465? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 61465 (Windsor, IL). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.9%
Low
5yr Growth
+3.6%
Moderate

📊 Market Snapshot

Home Value $166,137
Monthly Rent $837
Price-to-Rent 16.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.1%
Cap Rate 3.9%
5-Year IRR 7.5%

📈 Home Appreciation

1-Year +11.6% ▲
3-Year CAGR +4.5% ▲
5-Year CAGR +3.6% ▲
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.9%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

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⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
9.8%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.6%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 61465

Population: 1,251

💰 Median Household Income
$55,958
This area
$55,958
State
$75,721
USA
$74,580
🏠 Renter Occupied
6.8%
This area
6.8%
State
22.2%
USA
34.0%
💼 Unemployment Rate
1.1%
This area
1.1%
State
-3.3%
USA
3.7%
🎓 College Educated
14.8%
This area
14.8%
State
16.4%
USA
33.7%
👤 Median Age
49.8 years
This area
49.8 years
State
32.6 years
USA
38.9 years
🏚️ Vacancy Rate
9.8%
This area
9.8%
State
11.6%
USA
10.5%
👥 Population by Ethnicity
White 93.1%
Other/Mixed 6.1%
Asian 0.8%
Hispanic/Latino 0.6%
👶 Under 18
16.7%
This area
16.7%
USA
22.0%
👴 65 and Over
26.4%
This area
26.4%
USA
17.3%
📊 Poverty Rate
2.3%
This area
2.3%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

Frequently Asked Questions

What is the typical vacancy rate in Windsor, IL?

Windsor, IL vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

How much rent can I charge in Windsor, IL?

Windsor, IL rentals go for roughly $837/mo a month. That puts gross yield in solid territory relative to $166K acquisition costs.

What is it like being a landlord in Windsor, IL?

IL ranks as a landlord-friendly state for landlord-tenant law. Windsor generally follows the statewide framework, so landlords face reasonable operating rules.

Is house hacking profitable in Windsor, IL?

House hacking in Windsor, IL is reasonable to execute. Prices around $166K and rents of $837/mo solid owner-occupant economics.

Is Windsor, IL better for rentals, flips, or BRRRR?

Windsor, IL investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($166K prices, $837/mo rents) make it a reasonable choice.

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How 61465 ranks in Davenport-Moline-Rock Island, IA-IL

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