Estimated median household income in 2007: $43,207
| This zip code: | $43,207 | | Illinois: | $54,124 |
Nearest zip codes: 62672, 62690, 62686, 62689, 62511, 62572.
Housing units in zip code 62640 with a mortgage: 532 (64 second mortgage, 26 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 368
Median monthly owner costs for units with a mortgage: $1,081
Median monthly owner costs for units without a mortgage: $383
Residents with income below the poverty level in 2007:
| This zip code: | 11.9% | | Whole state: | 11.9% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 5.2% | | Whole state: | 5.3% |
Median number of rooms in houses and condos:
| Here: | 5.9 | | State: | 6.1 |
Median number of rooms in apartments:
| Here: | 4.4 | | State: | 4.1 |
Year house built: |
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- 1999 to March 2000: 19
- 1995 to 1998: 121
- 1990 to 1994: 81
- 1980 to 1989: 145
- 1970 to 1979: 312
- 1960 to 1969: 205
- 1950 to 1959: 163
- 1940 to 1949: 93
- 1939 or earlier: 481
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Bedrooms in owner-occupied houses in Girard, IL (62640): |
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- no bedroom: 0
- 1 bedrooms: 19
- 2 bedrooms: 351
- 3 bedrooms: 536
- 4 bedrooms: 193
- 5 or more bedrooms: 38
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 0
- 1 bedrooms: 51
- 2 bedrooms: 175
- 3 bedrooms: 58
- 4 bedrooms: 38
- 5 or more bedrooms: 18
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Vehicles available in 62640 zip code in owner-occupied houses/condos: |
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- no vehicle: 49
- 1 vehicle: 296
- 2 vehicles: 530
- 3 vehicles: 179
- 4 vehicles: 69
- 5 or more vehicles: 14
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 66
- 1 vehicle: 150
- 2 vehicles: 86
- 3 vehicles: 27
- 4 vehicles: 7
- 5 or more vehicles: 4
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Estimated household income distribution in 2007:

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Estimate of home value of owner-occupied houses/condos in 2007 in zip code 62640:
- Less than $10,000: 13
- $10,000 to $14,999: 6
- $15,000 to $19,999: 11
- $20,000 to $24,999: 13
- $25,000 to $29,999: 14
- $30,000 to $34,999: 14
- $35,000 to $39,999: 14
- $40,000 to $49,999: 30
- $50,000 to $59,999: 31
- $60,000 to $69,999: 46
- $70,000 to $79,999: 69
- $80,000 to $89,999: 104
- $90,000 to $99,999: 103
- $100,000 to $124,999: 152
- $125,000 to $149,999: 115
- $150,000 to $174,999: 98
- $175,000 to $199,999: 52
- $200,000 to $249,999: 74
- $250,000 to $299,999: 88
- $300,000 to $399,999: 30
- $400,000 to $499,999: 10
- $500,000 to $749,999: 5
- $750,000 to $999,999: 3
- $1,000,000 or more: 3
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Rent paid by renters in 2007 in zip code 62640:
- Less than $100: 16
- $100 to $149: 8
- $150 to $199: 29
- $200 to $249: 18
- $250 to $299: 42
- $300 to $349: 13
- $350 to $399: 31
- $400 to $449: 11
- $450 to $499: 7
- $500 to $549: 4
- $1,500 to $1,999: 8
- No cash rent: 33
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Median price asked for vacant for-sale houses and condos in 2007: $125,312.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $116,980
- American Indian or Alaska Native householders: $183,802
- Asian householders: $449,295
- Two or more races householders: $122,535
- Hispanic or Latino householders: $122,535
Estimated median house or condo value in 2007: $111,597 (it was $68,300 in 2000)
| 62640: | $111,597 | | Illinois: | $208,800 |
Lower value quartile - upper value quartile: $73,094 - $139,582
Mean price in 2007:
Detached houses: $143,962| Here: | $143,962 | | State: | $269,211 |
Townhouses or other attached units: $84,762| Here: | $84,762 | | State: | $258,887 |
In 3-to-4-unit structures: $159,643| Here: | $159,643 | | State: | $330,214 |
Mobile homes: $35,469| Here: | $35,469 | | State: | $35,670 |
Owners and renters by unit type in %
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Breakdown of mean house values by ages of householders
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Housing units in structures:
- One, detached: 1,281
- One, attached: 26
- Two: 26
- 3 or 4: 71
- 5 to 9: 18
- Mobile homes: 190
- Boats, RVs, vans, etc.: 8

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Means of transportation to work
- Drove a car alone: 1,386 (78%)
- Carpooled: 276 (16%)
- Bicycle: 4 (0%)
- Walked: 53 (3%)
- Other means: 16 (1%)
- Worked at home: 43 (2%)
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Travel time to work
- Less than 5 minutes: 81
- 5 to 9 minutes: 268
- 10 to 14 minutes: 221
- 15 to 19 minutes: 143
- 20 to 24 minutes: 215
- 25 to 29 minutes: 46
- 30 to 34 minutes: 130
- 35 to 39 minutes: 61
- 40 to 44 minutes: 158
- 45 to 59 minutes: 284
- 60 to 89 minutes: 67
- 90 or more minutes: 61
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Percentage of zip code residents living and working in this county: 49.2%
Household type by relationship
Households: 3,694
- In family households: 3,187 (848 male householders, 225 female householders)
845 spouses, 1,120 children (1,015 natural, 15 adopted, 90 stepchildren), 53 grandchildren, 0 brothers or sisters, 19 parents, 11 other relatives, 66 non-relatives
- In nonfamily households: 507 (220 male householders (183 living alone)), 210 female householders (186 living alone)), 77 nonrelatives
- In group quarters: 93 (all institutionalized)
Size of family households: 523 2-persons, 222 3-persons, 190 4-persons, 99 5-persons, 39 6-persons.
Size of nonfamily households: 369 1-person, 53 2-persons, 8 3-persons.
650 married couples with children.
186 single-parent households (59 men, 127 women).
98.0% of residents of 62640 zip code speak English at home.
1.0% of residents speak Spanish at home (100% very well).
0.8% of residents speak other Indo-European language at home (78% very well, 22% well).
0.3% of residents speak other language at home (100% very well).
Foreign born population: 11 (0.3%)
(0.0% of them are naturalized citizens)
| This zip code: | 0.3% | | Whole state: | 12.3% |
Most common places of birth for the foreign-born residents:
Year of entry for the foreign-born population |
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- 1995 to March 2000: 0
- 1990 to 1994: 11
- 1985 to 1989: 0
- 1980 to 1984: 0
- 1975 to 1979: 0
- 1970 to 1974: 0
- 1970 to 1974: 0
- 1965 to 1969: 0
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White population: 3,654
Black population: 4
American Indian population: 5
Asian population: 9
Native Hawaiian and Other Pacific Islander population: 4
Some other race population: 2
Two or more races population: 21

First ancestries reported:
|  German: 677 |
|  English: 525 |
|  United States or American: 387 |
|  Irish: 253 |
|  Other groups: 220 |
|  Italian: 82 |
|  Dutch: 61 |
|  French (except Basque): 60 |
|  Polish: 57 |
|  Scottish: 45 |
|  Scotch-Irish: 26 |
|  Austrian: 24 |
|  French Canadian: 17 |
|  Slovak: 17 |
|  Hungarian: 12 |
|  Swedish: 12 |
|  Welsh: 12 |
|  Norwegian: 10 |
|  Swiss: 8 |
|  British: 6 |
|  European: 6 |
|  Pennsylvania German: 6 |
|  Portuguese: 6 |
|  Lithuanian: 5 |
|  Greek: 4 |
|  Czechoslovakian: 4 |
|  Russian: 4 |
|  Yugoslavian: 4 |
|  Czech: 2 |

Facitilies with environmental interests located in this zip code:
- M & M SERVICE CO (122 E CENTER in GIRARD, IL)
STATE MASTER (Illinois EPA Project) - AIR PROGRAM
AIR MINOR (AIRS/AFS)
COMPLIANCE ACTIVITY (Tracking inspections of insecticide, fungicide, and rodenticide, and toxic substances)
CRITERIA AND HAZARDOUS AIR POLLUTANT INVENTORY (Inventory of air pollution sources)
Business SIC classification: GRAIN AND FIELD BEANS
Alternative names: MACOUPIN SVC CO
- COWDEN AUTO BODY INC (1008 W CENTER in GIRARD, IL)
STATE MASTER (Illinois EPA Project) - AIR PROGRAM
AIR MINOR (AIRS/AFS)
Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
Business SIC classification: NONCLASSIFIABLE ESTABLISHMENTS
Organizations: COWDEN MICHAEL (CONTACT/OWNER)
Alternative names: COWDENS AUTO BODY INC
- CHERRY S FOODS (ROUTE 4 in GIRARD, IL)
STATE MASTER (Illinois EPA Project) - AIR PROGRAM
AIR MINOR (AIRS/AFS)
CRITERIA AND HAZARDOUS AIR POLLUTANT INVENTORY (Inventory of air pollution sources)
Business SIC classification: GROCERY STORES
Alternative names: CHERRY'S FOODS
- JOHN AND DEBORAH TALBERT (238 LIBERTY COURT in GIRARD, IL)
STATE MASTER (Illinois EPA Project) - AIR PROGRAM
AIR MINOR (AIRS/AFS)
Business SIC classification: NONCLASSIFIABLE ESTABLISHMENTS
- OTTER LAKE WTR COMMISSION WTP (13722 EMMERSON AIRLINE ROAD in GIRARD, IL)
STATE MASTER (Illinois EPA Project) - National Pollutant Discharge Elimination System Permit
National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit
Business SIC classification: WATER SUPPLY
- R&R BINDERY (499 RACHEL RD in GIRARD, IL)
STATE MASTER (Illinois EPA Project) - HAZARDOUS WASTE PROGRAM
Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste))
Organizations: ROBERT A MCINTIRE (CONTACT/OPERATOR)
Alternative names: R&R BINDERY SERVICE
- COGA INDUSTRIES LLC - PLANT 2 (COUNTY HIGHWAY 12 in GIRARD, IL)
STATE MASTER (Illinois EPA Project) - AIR PROGRAM
AIR MINOR (AIRS/AFS)
Business SIC classification: NONCLASSIFIABLE ESTABLISHMENTS
- D AND L TIRE AND SERVICE CENTER INC (224 W CENTER in GIRARD, IL)
(Resource Conservation and Recovery Act (tracking hazardous waste))
Organizations: LANCASTER ERIC (CONTACT/OWNER)
Median worth of mobile homes: $34,230
Housing units lacking complete plumbing facilities: 1%
Housing units lacking complete kitchen facilities: 1%
Most commonly used house heating fuel: |
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- Utility gas (53%)
- Bottled, tank, or LP gas (25%)
- Electricity (16%)
- Wood (3%)
- Fuel oil, kerosene, etc. (2%)
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Place of birth for U.S.-born residents:
- This state: 3296
- Northeast: 48
- Midwest: 221
- South: 147
- West: 51
60% of the 62640 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 58% lived in this county.
Out of people who lived in different counties, 80% lived in Illinois.
Population in 1990: 2,454. Population change in the 1990s: +1,245 (+50.7%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 13
| Here: | 2.7% | | Illinois: | 13.4% |
Students in private schools in grades 9 to 12 (high school): 6
| Here: | 2.9% | | Illinois: | 11.1% |
Students in private undergraduate colleges: 17
| Here: | 15.7% | | Illinois: | 25.8% |
School Enrollment by Level of School
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Top industries in this zip code by the number of employees in 2005:
- Mining: Bituminous Coal Underground Mining (100-249 employees: 1 establishment)
- Health Care and Social Assistance: Nursing Care Facilities (50-99: 1)
- Construction: New Single-Family Housing Construction (except Operative Builders) (10-19: 1)
- Administrative and Support and Waste Management and Remediation Services: Office Administrative Services (10-19: 1)
- Construction: Structural Steel and Precast Concrete Contractors (10-19: 1)
- Construction: Plumbing, Heating, and Air-Conditioning Contractors (10-19: 1)
- Wholesale Trade: Grain and Field Bean Merchant Wholesalers (10-19: 1)
Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)
Age and Sex of Physically-Disabled Residents (Noninstitutionalized)
Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)
Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)
Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)
Age and Sex of Residents with Employment Disability (Noninst.)
94 people in nursing homes
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 4 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 7 | $217,103 | 50 | $93,375 | 65 | $90,210 | 15 | $23,030 | 18 | $74,752 | 8 | $46,484 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 5 | $62,348 | 6 | $105,650 | 1 | $20,810 | 1 | $94,290 | 1 | $26,010 |
| APPLICATIONS DENIED | 2 | $57,740 | 9 | $67,926 | 36 | $91,560 | 15 | $44,687 | 3 | $76,680 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 4 | $38,478 | 23 | $97,775 | 4 | $94,768 | 1 | $39,520 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 6 | $115,022 | 0 | $0 | 1 | $78,030 | 1 | $78,030 |
Aggregated Statistics For Year 2006 (Based on 4 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 0 | $0 | 74 | $75,593 | 70 | $82,465 | 19 | $30,207 | 25 | $70,026 | 3 | $21,087 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 2 | $91,035 | 7 | $100,141 | 0 | $0 | 1 | $174,790 | 0 | $0 |
| APPLICATIONS DENIED | 1 | $78,800 | 12 | $64,173 | 38 | $90,214 | 11 | $43,313 | 0 | $0 | 3 | $57,827 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $62,300 | 25 | $87,867 | 1 | $26,730 | 2 | $26,530 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $91,020 | 5 | $135,248 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 4 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 3 | $64,733 | 94 | $76,070 | 96 | $76,726 | 28 | $28,991 | 22 | $66,463 | 6 | $28,443 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $66,590 | 3 | $69,013 | 9 | $67,676 | 2 | $20,290 | 2 | $85,095 | 1 | $54,100 |
| APPLICATIONS DENIED | 2 | $40,820 | 10 | $85,129 | 48 | $69,325 | 12 | $31,305 | 4 | $61,905 | 2 | $60,865 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 9 | $67,957 | 27 | $143,484 | 4 | $95,718 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $50,980 | 1 | $79,670 | 5 | $86,944 | 3 | $20,783 | 1 | $73,590 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 4 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 6 | $80,008 | 67 | $73,917 | 121 | $70,115 | 16 | $21,007 | 23 | $57,799 | 6 | $52,575 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 4 | $74,785 | 14 | $68,220 | 3 | $26,530 | 4 | $72,048 | 2 | $83,230 |
| APPLICATIONS DENIED | 1 | $15,610 | 10 | $43,086 | 58 | $75,268 | 9 | $35,842 | 1 | $32,250 | 3 | $56,667 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 9 | $62,213 | 47 | $83,662 | 2 | $52,375 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 2 | $72,185 | 1 | $52,020 | 0 | $0 | 0 | $0 |
Detailed HMDA statistics for the following Tracts:
9561.00
, 9563.00
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 4 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 13 | $130,799 | 7 | $134,757 | 1 | $188,560 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $162,303 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 1 | $130,050 | 1 | $193,510 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 4 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 15 | $78,893 | 5 | $123,638 | 2 | $110,280 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $61,380 | 1 | $137,550 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 1 | $97,800 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 4 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 15 | $90,085 | 6 | $116,135 | 1 | $89,470 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $138,800 | 3 | $97,380 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 4 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 11 | $83,645 | 10 | $105,708 | 1 | $76,990 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Detailed PMIC statistics for the following Tracts:
9561.00
, 9563.00
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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