Loami, Illinois.
Typical home $209,858 (+10.5% in a year). Springfield, IL metro.
to buy the typical home at today's mortgage rate — +$615 (+126%) since Jan 2020.
- 1 year
- Up $19,910 +10%
- $189,947$209,858 since Sep 2025
- 5 years
- Up $62,685 +43%
- $147,173$209,858 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.
- Loami$1,101
- Illinois$1,553
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 10 years.
Typical home values in Loami, IL rose 10.5% over the past year — faster than the nation's +1.2%.
Living in Loami, Sangamon County, Illinois
Loami is a village of 812 people in Sangamon County. 76% of its homes are lived in by their owners and 24% are rented. Unemployment in Sangamon County was 3.8% in August 2026, and the county had 2.6% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then government.
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 It can be wrong or out of date.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. Loami is a small village in Sangamon County, and most homes there are lived in by their owners. Fewer adults hold a four-year degree than you might find in the wider region, and a fair number of households live on low incomes. Winters are cold, with a good deal of snow, summers turn hot, and the rain and melted snow through the year is plentiful.
Work. Many residents work in schools, hospitals and social care, and others in government, shops, or banks, insurance and property. The commute is a fairly long one, and some people work from home. Across Sangamon County, larger workplaces include Springfield Memorial Hospital, St. Johns Hospital and Springfield Schools, and the county has recently lost some jobs, though unemployment there has eased over the past year.
Things to do. Closest to home are Nipper Wildlife Sanctuary, a protected area in or beside town, and Waverly Lake, a reservoir a short drive away. For history, Lincoln Home National Historic Site, a museum, is a longer drive away, as is Lake Springfield, a reservoir.
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- 313households
- 23%of adults have a degree
- 13%below the poverty line
- 27 mintypical commute
- 15%work from home
What residents work in
Employed residents by industry, from the Census survey. Sangamon County had 130,936 jobs in 2025, 2.6% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 36° and lows near 21°; warmest in July, with highs near 87° and lows near 68°. About 16 inches of snow and 38 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Virden weather station, 12 miles away (NOAA).
Largest workplaces in Sangamon County
- Springfield Memorial HospitalGeneral hospital3,185FTE
- St. Johns HospitalGeneral hospital1,892FTE
- Springfield SD 186School district1,500FTE
- State of Illinois, Department of Innovation and TechnologyComputer program or software development, custom1,378
- General office/parole/ATCs/adult edCorrectional institutions1,179
- City of SpringfieldCity and town managers' offices1,038
- State ofState tax commissions1,016
- University of Illinois SpringfieldUniversity or college879
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 170 workplaces with 20 or more staff, 30,938 people in all across the county; Loami has none of its own. Hospitals come from their Medicare cost reports (CMS, 2023), school districts from the Common Core of Data (NCES, 2023–24) and colleges from IPEDS (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
- DroughtRelatively high
- Strong windRelatively high
- TornadoesRelatively high
- HailRelatively high
- Cold wavesRelatively high
- Heat wavesRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Loami’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 Sangamon County and the Springfield, IL metro.
Loami home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Loami$209,858
- Illinois$295,943
- United States$366,157
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.
Zip codes with a Loami address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Loami — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.