Real Estate Investing in Hoffman, Illinois (62250)

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

Clinton County • Population: 627 • Data updated: September 2026

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Should you buy in 62250 (Hoffman, IL)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (81/100)

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.

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Hoffman, IL (62250)?

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3.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $137,423
Avg Monthly Rent $891
1% Rule ✗ Does Not Meet
Median Income $67,708
% Renters 9.1%

Market Analysis: 62250 Hoffman

ZIP 62250 in Hoffman, IL carries a sturdy set of headwinds. Home values near $137K and rents of $891/mo sit inside a market where underwriting has to be tight.

For an experienced owner, 62250 can be a a viable market for hunting ground — but the discount at $137K reflects genuine risk that outside investors often underestimate.

Regionally, 62250 sits on the difficult end of the IL spectrum. The an appealing option for read — for disciplined operators — is that pricing reflects the difficulty.

Put differently, 627 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

Distressed ZIPs reward experience. durable returns are possible in 62250, but they flow to investors who already understand how to operate in soft markets.

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 Hoffman:

C+ Average
Buy Confidence Score: 69/100
Affordability
25/25
Appreciation
14/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2× the median income
Value Trend
Declining (-1.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $891/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.
⚖️
BALANCED MARKET
St. Louis, MO-IL Metro Area
Even conditions for buyers and sellers
30 days
Average time to sell
Fast
11.0%
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 St. Louis, MO-IL metro data

Market Trends

Home Value History (with trend line)

$147K$142K$137K$132K$127K$123KFeb 2021Nov 2023Jul 2026

📊 How Does 62250 Compare?

Metric 62250 Hoffman St. Louis, MO-IL Illinois
Home Value $137,423 $137,423 N/A $279,761
5-Year CAGR 1.6% 1.6% N/A 6.6%
Avg Rent $891 $891 N/A -
Cap Rate 5.1% 5.1% - -
💡 Why Invest in 62250? 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 62250 (Hoffman, IL). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
5.1%
Fair
5yr Growth
+1.6%
Slow

📊 Market Snapshot

Home Value $137,423
Monthly Rent $891
Price-to-Rent 12.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.8%
Cap Rate 5.1%
5-Year IRR 6.7%

📈 Home Appreciation

1-Year -1.3% ▼
3-Year CAGR +0.8% ▲
5-Year CAGR +1.6% ▲
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: 5.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.1%). 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
2.5%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+1.6%
Flat
Eviction process: Fast Rent control: Favorable

Demographics in 62250

Population: 627

💰 Median Household Income
$67,708
This area
$67,708
State
$75,721
USA
$74,580
🏠 Renter Occupied
9.1%
This area
9.1%
State
22.2%
USA
34.0%
💼 Unemployment Rate
0.6%
This area
0.6%
State
-3.3%
USA
3.7%
🎓 College Educated
7.7%
This area
7.7%
State
16.4%
USA
33.7%
👤 Median Age
32.8 years
This area
32.8 years
State
32.6 years
USA
38.9 years
🏚️ Vacancy Rate
2.5%
This area
2.5%
State
11.6%
USA
10.5%
👥 Population by Ethnicity
White 97.5%
Other/Mixed 2.5%
👶 Under 18
30.2%
This area
30.2%
USA
22.0%
👴 65 and Over
12.7%
This area
12.7%
USA
17.3%
📊 Poverty Rate
1.9%
This area
1.9%
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

🎓 Nearby Colleges & Universities

1 Nearby 506 Off-Campus Students
C
Kaskaskia College
3,447 students · 4.2 mi

Investor Insight: With 506 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How expensive is real estate in Hoffman, IL?

The median home value in Hoffman, IL is roughly $137K. That puts it reasonable relative to the IL statewide average.

Can owner-occupants cash flow in Hoffman, IL?

Hoffman, IL offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $891/mo rent level.

How strong is tenant demand in Hoffman, IL?

Working renters make up the core of the Hoffman, IL tenant base. The pool is reasonable for investors targeting long-term holds.

Which investment style suits Hoffman, IL?

A careful cash-flow rentals with hands-on management strategy Hoffman, IL best. The market produces even-keeled results for that approach at the $137K price point.

How strict are landlord regulations in Hoffman, IL?

Hoffman, IL operates under IL law, which is landlord-friendly overall for landlords. Expect consistent treatment in typical lease and eviction cases.

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How 62250 ranks in St. Louis, MO-IL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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