St. Jacob: Housing & Real Estate
Homes in St. Jacob carry a median value of $201,000 (estimated market value runs 11% higher at $222,772), with median rent $1,138 (1.2× higher than Madison County median $938; about the same as Illinois median $1,193). Homeownership rate: 85.5%. That's 1.3× higher than the Madison County median ($159,400); 1.2× below the Illinois median ($250,113). Market is warm. Vacancy rate 5.0%. New construction makes up 19.9% of stock. A municipal building code is in effect.
- 1.8× annual income — home value vs. household income (vs Illinois 2.9×).
- 14.7 years to break even renting at the median (vs Illinois 17y).
- 4-BR rent is 1.9× a studio — rent gradient by unit size.
- Median rent 6% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $201,000 — 0.8× the Illinois median ($250,113). Median rent $1,138/month. homeownership rate 85.5% — above the U.S. share of ~65%.
| Affordability · Home Price To Income | 1.8× |
|---|---|
| Affordability · Home Affordability | affordable |
| Affordability · Rent Pct Income | 13.5% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 57.7% |
| Affordability · Poverty Rate | 3.0% |
| Affordability · Property Tax Pct Income | 4.6% |
| Fair Market Rent · Studio rent | $955 |
| Fair Market Rent · One-bedroom rent | $995 |
| Fair Market Rent · Two-bedroom rent | $1,218 |
| Fair Market Rent · Three-bedroom rent | $1,568 |
| Fair Market Rent · Four-bedroom rent | $1,812 |
| Fair Market Rent · HUD FMR area | St. Louis, MO-IL HUD Metro FMR Area |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $222,772 |
| Median Home Value | $201,000 (vs Illinois $250,113) |
| Median Rent | $1,138 (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 | 5.0% |
| Housing Market · New construction (% of stock) | 19.9% |
| Housing Market · Price Appreciation 2Yr | 4.5% |
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 (1)
| 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 | 94.5% |
| Broadband · Broadband-capable premises | 622 |
| 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 | 1 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Other
| Homeownership Rate | 85.5% |
|---|---|
| Median Year Built | 1995 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12