St. David: Housing & Real Estate
Housing in St. David centers on a median value of $65,400 (estimated market value runs 21% higher at $79,233), with median rent $1,125 (1.4× higher than Fulton County median $782; 1.1× below Illinois median $1,193). Homeownership rate: 95.0%. That's 1.5× below the Fulton County median ($99,800); 3.8× below the Illinois median ($250,113). Market is warm. Vacancy rate 12.9%. A municipal building code is in effect.
- 1.2× annual income — home value vs. household income (vs Illinois 2.9×).
- 4.8 years to break even renting at the median (vs Illinois 17y).
- 4-BR rent is 1.8× a studio — rent gradient by unit size.
- Median rent runs 22% above HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $65,400 — 0.3× the Illinois median ($250,113). Median rent $1,125/month. homeownership rate 95.0% — above the U.S. share of ~65%.
| Affordability · Home Price To Income | 1.2× |
|---|---|
| Affordability · Home Affordability | affordable |
| Affordability · Rent Pct Income | 22.0% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 50.0% |
| Affordability · Poverty Rate | 16.1% |
| Affordability · Property Tax Pct Income | 2.1% |
| Fair Market Rent · Studio rent | $703 |
| Fair Market Rent · One-bedroom rent | $708 |
| Fair Market Rent · Two-bedroom rent | $916 |
| Fair Market Rent · Three-bedroom rent | $1,274 |
| Fair Market Rent · Four-bedroom rent | $1,288 |
| Fair Market Rent · HUD FMR area | Fulton County, IL |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $79,233 |
| Median Home Value | $65,400 (vs Illinois $250,113) |
| Median Rent | $1,125 (vs Illinois $1,193) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | warm |
|---|---|
| Housing Market · Vacancy rate | 12.9% |
| Housing Market · Price Appreciation 2Yr | 8.6% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (5)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 100.0% |
| Broadband · Broadband-capable premises | 289 |
| Electricity · Electricity rate (¢/kWh) | 15.87¢/kWh |
| Electricity · Customers | 5,392,477 |
| Electricity · Revenue Millions | $7,118 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0% |
| Mobile Broadband · 4G mobile coverage | 100% |
| Mobile Broadband · 5G mobile coverage | 100% |
| Mobile Home Parks Detail · County total | 2 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Other
| Homeownership Rate | 95.0% |
|---|---|
| Median Year Built | 1947 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12