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If you live in the 61260 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Joy have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.
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61260 Average Homeowners Insurance Rates
If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 61260 the average premium for homeowners coverage is $849 which compares very well to the national average of $1,249.
Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 61260. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.
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61260 Home Insurance Average Premiums
$599 /yr.
Shows Zip Code: 61260 lowest rates with discounts applied on average.
For the 61260, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $599 /yr. |
| Average Coverage: | $849 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1149 /yr. |
What is the average home insurance cost for a home in 61260?
- • The average homeowners insurance premium paid annually for a home in 61260 is around $849 per year.
What does it cost on average per month for home insurance in 61260?
- • Homeowners in 61260 pay a monthly average cost per month around $71.00.
What kind of discount could I get if I combine my home and auto insurance together in 61260?
- • Autoowners in 61260 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.
For shopping home insurance rates within the Joy area, check out other zip codes nearby 61260.
Review average rates in another zip code:
61260 homeowners insurance rates
Home Replacement Cost Coverage in 61260
Average Building Cost Per Square Foot in 61260: $154
Location: Joy, Illinois (Mercer County)Average Square Footage in 61260: 595 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 61260 before you start any project. Joy homeowners pay on average around $154 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 61260 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Here is how you determine your replacement cost. If we take an average home in 61260 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 595 sq. ft. and the average cost to rebuild the home in this area is around $154 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Joy area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.
| Home Improvement Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $154 | 595 | $91,700 |
| Additional Upgrades & Added Features | $193 | 595 | $114,625 |
| Major Home Updates or Advancements | $231 | 595 | $137,550 |
It's important to understand that when you estimate your replacement cost of your home in the 61260 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.
Best Homeowners Insurance Agencies in 61260
Best Home & Auto Insurance Agencies in 61260
Housing Demographics for 61260
Population Review for 61260 Zip Code
For the city of Joy, the population within 61260 has increased to over 506 residents in population size. The current population total is 748. We have broken down the population based on race below. In 61260, there are over 368 in male population and 380 females.
| Population | Values |
|---|---|
| Total Population | 748 |
| White Population | 683 |
| Black Population | 1 |
| Hispanic Population | 32 |
| Asian Population | 0 |
| Hawaiian Population | 0 |
| Indian Population | 1 |
| Other Population | 6 |
| Male Population | 368 |
| Female Population | 380 |
| Population Estimate | 506 |
Household Data for 61260
The average number of homes in 61260 is around 296, there are an average of 2.53 per household. The average house value according to local real estate values is around $91,700. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 296 |
| Persons Per Household | 2.53 |
| Average House Value | $91,700 |
| Income Per Household | $36042 |
| Median Age | 40.0 |
| Median Age Male | 36.5 |
| Median Age Female | 43.7 |
| 61260 Details | Values |
|---|---|
| State | IL |
| State Full Name | Illinois |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 309 |
| City | Joy |
| City Alias Name | JOY |
| County | Mercer |
| County FIPS | 131 |
| State FIPS | 17 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 209 |
| CBSA | 19340 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Davenport-Moline-Rock Island, IA-IL |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 7 |
| Number Of Employees | 34 |
| Business First Quarter Payroll | 277 |
| Business Annual Payroll | 1195 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 379690 |
| CBSA Division Population | 0 |
| Congressional District | 15|17 |
| Congressional LandArea | 14695.67|6933.08 |
| Delivery Residential | 200 |
| Delivery Business | 5 |
| Delivery Total | 351 |
| Preferred Last Line Key | W13500 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Davenport-Moline, IA-IL |
| CBSA_DIV_Name | |
| City State Key | W13500 |
| Land Area | 58.263000 |
| Water Area | 0.014000 |
| City Alias Code | |
| City Mixed Case | Joy |
| City Alias Mixed Case | Joy |
| Box Count | 135 |
| SFDU | 200 |
| MFDU | 0 |
| State ANSI | 17 |
| County ANSI | 131 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 163984 |
| Unique ZIP Name | |
| SSA State County Code | 14740 |
| Medicare CBSA Code | 19340 |
| Medicare CBSA Name | Davenport-Moline-Rock Island, IA-IL |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 6 |
| County Mixed Case | Mercer |
Illinois Homeowners Insurance News & Information
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The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]
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2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future. According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]
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Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025
Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]