Real Estate Investing in Oneida, Illinois (61467)

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

Knox County • Population: 1,262 • Data updated: September 2026

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Should you buy in 61467 (Oneida, IL)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (79/100)

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 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

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

What’s happening in Oneida, IL (61467)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $140,376
Avg Monthly Rent $936
1% Rule ✗ Does Not Meet
Median Income $80,875
% Renters 19.0%

Market Analysis: 61467 Oneida

Investors eyeing 61467 need to respect the fundamentals at play. Home values of $140K come alongside slower price movement and elevated management overhead.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $140K asset, 61467 is the wrong submarket. If the plan prices in friction, the yield can still work.

ZIP 61467's metrics run below Knox County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

The demographic picture in 61467 includes headwinds that any investor should price in. Income distribution skews lower than Oneida averages, and tenant stability requires active management.

The 61467 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

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 Oneida:

C+ Average
Buy Confidence Score: 67/100
Affordability
25/25
Appreciation
14/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 1.7× the median income
Value Trend
Rising (+10.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $936/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Galesburg, IL Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
11.4%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Galesburg, IL metro data

Market Trends

Home Value History (with trend line)

$152K$140K$127K$115K$103K$90KJan 2016May 2021Jul 2026

📊 How Does 61467 Compare?

Metric 61467 Oneida Galesburg, IL Illinois
Home Value $140,376 $140,376 N/A $279,761
5-Year CAGR 2.6% 2.6% N/A 6.6%
Avg Rent $936 $936 N/A -
Cap Rate 5.2% 5.2% - -
💡 Why Invest in 61467? 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 61467 (Oneida, IL). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
5.2%
Fair
5yr Growth
+2.6%
Slow

📉 Market Crash Risk Index

Based on Galesburg, IL metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
57%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $140,376
Monthly Rent $936
Price-to-Rent 12.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 8.0%
Cap Rate 5.2%
5-Year IRR 7.8%

📈 Home Appreciation

1-Year +10.5% ▲
3-Year CAGR +6.3% ▲
5-Year CAGR +2.6% ▲
10-Year CAGR +3.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 5.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.2%). 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.

Run an IRR Analysis →

⚠️ Risk Signals

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

Vacancy
5.4%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+2.6%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 61467

Population: 1,262

💰 Median Household Income
$80,875
This area
$80,875
State
$75,721
USA
$74,580
🏠 Renter Occupied
19.0%
This area
19.0%
State
22.2%
USA
34.0%
💼 Unemployment Rate
4.6%
This area
4.6%
State
-3.3%
USA
3.7%
🎓 College Educated
31.0%
This area
31.0%
State
16.4%
USA
33.7%
👤 Median Age
38.2 years
This area
38.2 years
State
32.6 years
USA
38.9 years
🏚️ Vacancy Rate
5.4%
This area
5.4%
State
11.6%
USA
10.5%
👥 Population by Ethnicity
White 98.8%
Other/Mixed 0.7%
Hispanic/Latino 0.6%
Asian 0.4%
Black/African American 0.1%
👶 Under 18
30.9%
This area
30.9%
USA
22.0%
👴 65 and Over
11.0%
This area
11.0%
USA
17.3%
📊 Poverty Rate
1.2%
This area
1.2%
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

🎓 Schools in 61467

A Avg School Grade
2 Schools
10.9:1 Avg Class Size
$16,324 Avg Per Pupil

Schools in This ZIP Code

A Very Good

R O W V A Jr and Sr High School

📚 07 – 12 High School
👥
232 Students
👨‍🏫
7.3:1 Class Size
💰
$16,324 Per Student
A Very Good

R O W V A Elem School

📚 Pre-K – 06 School
👥
379 Students
👨‍🏫
14.6:1 Class Size
💰
$16,324 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

2 Nearby 437 Off-Campus Students
C
Carl Sandburg College
1,688 students · 10.6 mi
C+
Knox College
1,001 students · 11.1 mi

Frequently Asked Questions

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

Oneida, IL rates 3.0/5 for investability. With median values at $140K and rents near $936/mo, the market offers reasonable fundamentals for rental investors.

What monthly rent should investors expect in Oneida, IL?

Expect rents around $936/mo per month in Oneida, IL. With home values at $140K, the yield math works out to reasonable levels for rental investors.

How should investors approach Oneida, IL?

The best-fit strategy in Oneida, IL is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

Is rental property easy to operate in Oneida, IL?

For rental operators, Oneida, IL rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.

What are vacancy rates like in Oneida, IL?

Expect elevated vacancy in Oneida, IL. Rents at $936/mo are absorbed by the tenant base without meaningful lag.

You know 61467 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 61467 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 61467 ranks in Galesburg, IL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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