Real Estate Investing in Clinton, Illinois (61727)

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

Dewitt County • Population: 9,114 • Data updated: September 2026

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Should you buy in 61727 (Clinton, IL)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (83/100)

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

📈 For Investors
MIXED
3.0 / 5 (52/100)

Rare combination of both appreciation and cash flow. These markets don't last long — worth serious consideration.

⚠️ Risks to Know
1 flag
  • Elevated vacancy: 8.1% 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 Clinton, IL (61727)?

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3.0/ 5

Investability

Overall investment appeal

4.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $157,299
Avg Monthly Rent $945
1% Rule ✗ Does Not Meet
Median Income $57,928
% Renters 29.5%

Market Analysis: 61727 Clinton

Investors eyeing 61727 need to respect the fundamentals at play. Home values of $157K come alongside slower price movement and elevated management overhead.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $157K asset, 61727 is the wrong submarket. If the plan prices in friction, the yield can still work.

In the broader IL picture, 61727 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Demographically, 61727 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.

The right play in 61727 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

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 Clinton:

B Good
Buy Confidence Score: 77/100
Affordability
20/25
Appreciation
25/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.7× the median income
Value Trend
Rising (+13.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $945/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.
🏠

Property Strategy for 61727

Which property type performs best in this market?

Best for Cash Flow
2BR
6.7% cap rate
Best for Appreciation
2BR
+8.9% 5yr CAGR
Best Overall Value
4BR
$53,949/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $113,592 $1,050 6.7% +8.9% $56,796
3BR $170,113 $1,260 5.3% +7.7% $56,704
4BR $215,796 $1,760 5.9% +7.8% $53,949

Market Trends

Home Value History (with trend line)

$163K$147K$131K$116K$100K$85KJan 2012May 2019Jul 2026

📊 How Does 61727 Compare?

Metric 61727 Clinton Illinois
Home Value $157,299 $181,028 $279,761
5-Year CAGR 8.1% 8.6% 6.6%
Avg Rent $945 $915 -
Cap Rate 4.7% 4.0% -
💡 Why Invest in 61727? Click to expand

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

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 61727 (Clinton, IL). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.7%
Fair
5yr Growth
+8.1%
Strong

📊 Market Snapshot

Home Value $157,299
Monthly Rent $945
Price-to-Rent 13.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.2%
Cap Rate 4.7%
5-Year IRR 12.8%

📈 Home Appreciation

1-Year +13.3% ▲
3-Year CAGR +8.8% ▲
5-Year CAGR +8.1% ▲
10-Year CAGR +5.1% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.7%). 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
8.1%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+8.1%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 61727

Population: 9,114

💰 Median Household Income
$57,928
This area
$57,928
State
$75,721
USA
$74,580
🏠 Renter Occupied
29.5%
This area
29.5%
State
22.2%
USA
34.0%
💼 Unemployment Rate
3.5%
This area
3.5%
State
-3.3%
USA
3.7%
🎓 College Educated
21.8%
This area
21.8%
State
16.4%
USA
33.7%
👤 Median Age
41.8 years
This area
41.8 years
State
32.6 years
USA
38.9 years
🏚️ Vacancy Rate
8.1%
This area
8.1%
State
11.6%
USA
10.5%
👥 Population by Ethnicity
White 94.1%
Other/Mixed 4.2%
Hispanic/Latino 2.4%
Black/African American 1.4%
Asian 0.2%
👶 Under 18
21.4%
This area
21.4%
USA
22.0%
👴 65 and Over
19.3%
This area
19.3%
USA
17.3%
📊 Poverty Rate
6.7%
This area
6.7%
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 61727

A Avg School Grade
5 Schools
12.2:1 Avg Class Size
$16,838 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Clinton Elem School

📚 02 – 05 Elementary
👥
491 Students
👨‍🏫
11.9:1 Class Size
💰
$16,838 Per Student
A Very Good

Clinton Jr High School

📚 06 – 08 Middle
👥
384 Students
👨‍🏫
11.3:1 Class Size
💰
$16,838 Per Student
A Very Good

Clinton High School

📚 09 – 12 High School
👥
507 Students
👨‍🏫
13.0:1 Class Size
💰
$16,838 Per Student
A Very Good

Douglas Elem School

📚 Pre-K – 01 Elementary
👥
163 Students
👨‍🏫
11.0:1 Class Size
💰
$16,838 Per Student
B+ Above Average

Lincoln Elem School

📚 Pre-K – 01 Elementary
👥
177 Students
👨‍🏫
13.8:1 Class Size
💰
$16,838 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.

Frequently Asked Questions

What is the investability score for Clinton, IL?

Yes - Clinton, IL a 3.0/5 investability score. With $157K home prices against $945/mo monthly rent, the market delivers a reasonable entry point for new investors.

Is vacancy a concern in Clinton, IL?

Rental vacancy in Clinton, IL is elevated. Investors should budget normal turnover but not chronic empty units.

What monthly rent should investors expect in Clinton, IL?

Average rent in Clinton, IL is approximately $945/mo per month. Against $157K home values that yields a reasonable rent-to-price ratio.

What are home prices like in Clinton, IL?

The median home value in Clinton, IL is roughly $157K. That puts it reasonable relative to the IL statewide average.

Is Clinton, IL good for house hacking?

The house hack math a challenging in Clinton, IL. Owner-occupant buyers benefit from the $945/mo rents and $157K home values.

You know 61727 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 61727 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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