Photo by Alberto Restifo on Unsplash (https://unsplash.com/@albertorestifo)
Centralia, Illinois Retirement Guide
established retirement community
65
Retirement Score
Centralia, Illinois at a Glance
- Median Home Price
- $84,700
- State Income Tax
- N/A
- Avg January Low
- N/A
- Cost of Living Index
- N/A
- Best For
- established retirement community
- RetireCityIQ Score
- 65 / 100
Retirement Data
Affordability
Cost of Living IndexData not available
Median Home Price
$84,700High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$718High confidence
U.S. Census ACS 5-Year · Updated April 2026
Taxes
Retirement Tax ScoreData not available
Tax DetailsData not available
Retiree Readiness (Sprint 2)
Care Access Score (proxy)Data not available
Aging-in-Place Score (proxy)Data not available
Healthcare
Healthcare Access ScoreData not available
Climate
Avg July HighData not available
Avg January LowData not available
Annual PrecipitationData not available
Sunny Days / YearData not available
Safety
Safety ScoreData not available
Walkability
Walk Score (proxy)Data not available
Transit Score (proxy)Data not available
Demographics
Population
12,096High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
40.7High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
22.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$46,468High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
65.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
8.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
18.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
23.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
81.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
10.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
4.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
2.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Centralia using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$184
Stress-case monthly carrying cost
$206
Median home price used: $84,700
Median rent reference: $718 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.