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Market MapIllinoisVermilion

Vermilion County

IllinoisPopulation: 74,113
81
/100
Strong Buy
#2 of 1,000 counties
#5 in Illinois (102 counties)

Market Snapshot

$93,310
Median Home Price
66% below national median
$815/mo
Median Rent
46% below national median
10.49%
Rent-to-Price Ratio
Top 1% nationally
+$41
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$93,310
Down Payment (20%)$18,662
Loan Amount$74,648
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$815
Monthly P&I-$489
Est. Expenses (35%)-$285
Net Cash Flow+$41/mo
6.8%
Cap Rate (all cash)
2.3%
Cash-on-Cash Return
10.49%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 6.8% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

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Score Breakdown

Overall Investment Score
81/100
81
Cash Flow(30%)
100/100

Based on 10.49% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
73/100

Based on 2.3% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
100/100

Price-to-income ratio of 1.8x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Above-average rent-to-price ratio (10.49%)
  • +Affordable relative to local incomes
  • +Complete rent data available

Challenges

  • -Negative leverage (cap rate 6.8% < mortgage rate 6.9%)

Economic Indicators

Population
74,113
Median Income
$52,787
vs $62,400 national est.
Unemployment Rate
—
Data pending
Price-to-Income
1.8x
Very affordable

Compare to Nearby Counties

CountyVerdict
MontgomeryIL
82$123,132Est. pending—Strong BuyView
CurrentVermilionIL
81$93,310$81510.49%Strong Buy
HancockIL
81$111,446Est. pending—Strong BuyView
ClintonIL
80$213,780Est. pending—Strong BuyView
RichlandIL
80$132,577Est. pending—Strong BuyView
PeoriaIL
79$154,382$1,1689.08%Strong BuyView

The Bottom Line

Strong BuyVermilion is a strong buy market with excellent fundamentals for buy-and-hold investors.

Vermilion County in Illinois scores 81/100, ranking #2 of 1,000 US counties (top 0%). The 10.49% rent-to-price ratio exceeds the 1% rule target, suggesting strong cash flow potential. At current rates with 20% down, a median-priced property could generate approximately $41/month in cash flow.

Monthly Cash Flow
+$41/mo
Cap Rate
6.8%
Cash-on-Cash
2.3%

Ready to Analyze a Deal in Vermilion?

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