Carmi, Illinois.
Typical home $104,770 (+3.1% in a year).
to buy the typical home at today's mortgage rate — +$121 (+28%) since Jan 2020.
- 1 year
- Up $3,158 +3%
- $101,612$104,770 since Sep 2025
- 5 years
- Down $15,294 -13%
- $120,064$104,770 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Carmi$550
- Illinois$1,553
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Carmi, IL rose 3.1% over the past year — faster than the nation's +1.2%.
Living in Carmi, White County, Illinois
Carmi is a city of 4,865 people in White County. 69% of its homes are lived in by their owners and 31% are rented. Unemployment in White County was 3.9% in August 2026, and the county had 3.1% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Carmi is a small city in White County, Illinois, where the people tend to be older than in the country as a whole. Most homes are lived in by their owners, and typical home values sit well below what many Americans pay. Incomes in the county are modest, and poverty is more common than in much of the country, while a four-year degree is held by fewer adults than nationally.
Work. Many residents work in schools, hospitals and social care, with manufacturing, shops, and farming, forestry and mining also providing a good share of jobs. The largest workplaces in Carmi include Carmi-White County CUSD 5, Walmart and the Carmi Molding Division of Vibracoustic USA, Inc. Unemployment in the county is lower than it was a year earlier, though the county has fewer jobs than it did the year before. The typical commute is short, and few people work from home.
Things to do. Skillet Fork, a river a short drive away, is the closest water for fishing or a quiet afternoon outdoors. Hubele Mounds and Village Site and Wilson Mounds and Village Site, both archaeological sites, are also a short drive away. For a longer outing, Harmonie State Park is a protected area a longer drive away. Winters are cold with some snow, and summers are hot, with plenty of rain through the year.
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- 2,163households
- 16%of adults have a degree
- 22%below the poverty line
- 21 mintypical commute
- 5%work from home
What residents work in
Employed residents by industry, from the Census survey. White County had 4,075 jobs in 2025, 3.1% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 41° and lows near 21°; warmest in July, with highs near 88° and lows near 66°. About 12 inches of snow and 48 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Carmi weather station, a mile away (NOAA).
Largest workplaces in Carmi
- Carmi-White County CUSD 5School district218FTE
- WalmartWarehouse clubs and supercenters191
- Vibracoustic USA, Inc. Carmi Molding DivisionExtruded, molded or lathe-cut rubber goods manufacturing113
- ElastecDrilling equipment, oil and gas field-type, manufacturing57
- Carmi ManorSkilled nursing facilities55
- Vibracoustic USA, Inc. Carmi Mixing DivisionRubber goods, mechanical, manufacturing54
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 5 workplaces with 20 or more staff, 470 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- EarthquakesRelatively high
- Winter weatherRelatively high
- Strong windRelatively high
- TornadoesRelatively high
- Heat wavesrelatively high in parts of CarmiRelatively moderate
- HailRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Carmi’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on White County.
Carmi home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Carmi$104,770
- Illinois$295,943
- United States$366,157
Sellers are cutting prices on about 1 in 7 Carmi listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Carmi14.07%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Carmi31
New listings per month
Sellers arriving at the market.
- Carmi6
Zip codes with a Carmi address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Carmi — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.