Median Income
$78,125
4% higher than US avg
Home Value
$132,500
53% lower than US avg
Violent Crime
0/100K
100% lower than US avg
Bachelor's+
20.0%
41% lower than US avg
Median Rent
$1,318
13% higher than US avg
Obesity Rate
35.6%
11% higher than US avg
Unemployment
1.4%
61% lower than US avg
Poverty Rate
4.3%
65% lower than US avg
How Carlock Compares to the U.S. Average (100% = U.S. avg)
People
Population560
Median Age39.8 yrs
Density1,400/mi²
Male / Female58% / 42%
Largest GroupWhite 94%
Veterans3.6%
Economy
A+
Median Income$78,125
Per Capita$42,285
Unemployment1.4%
Poverty4.3%
County GDP$1,783M
Commute24 min
Housing
A+
Home Value$132,500
Rent$1,318
Ownership85.7%
Zillow$271,473
Housing Units249
Rent Burden9.0%
Crime
C+
Violent0/100K
Property514/100K
Health
Obesity35.6%
Uninsured6.3%
Smoking12.8%
Depression23.3%
Heart Disease4.9%
Climate
Avg Temp52°F (11°C)
AQI43 (Good)
Rain37.5 in/yr
Sunny Days275/yr
Elevation765 ft (233 m)
Education
C+
Bachelor's+20.0%
High School+94.8%
Graduate+4.1%
School Score6.65
Community
2024 VoteR 70% / D 28%
Commute24 min
Broadband87.7%
EV Stations30
Libraries9
Is Carlock a Good Place to Live?
Based on current data, Carlock receives an overall livability score of 3.7 out of 5.0, earning a grade of B+. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Carlock offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Carlock is $78,125, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 1.4%. Only 4.3% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 24 minutes.
Cost of Living & Housing
The median home value in Carlock is $132,500, 53% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,318 per month. At just 1.7x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Carlock is a very safe community with a violent crime rate of 0 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 514 per 100,000, 74% below the national average.
Education
20.0% of residents hold a bachelor's degree, below the national average of 33.7%. 94.8% have completed high school. Local schools score 6.6/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Carlock experiences four distinct seasons with an average temperature of 52°F. Winters average 25°F in January while summers reach 75°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 37.5 inches, including 22.3 inches of snow. Air quality is rated Good with a median AQI of 43.
Carlock has a population of 560 with a density of 1,400 people per square mile, spread across 0.2 square miles. The median age is 39.8 years, 2% older than the national median of 38.9. The gender split is 42% female and 58% male. The city is predominantly White (93.6%). English is the primary language spoken at home by 100% of residents. 3.6% of the population are veterans, below the national rate of 6.0%. 5.8% of residents have a disability (below the 13.0% national average). 89.9% have health insurance coverage.
Population
39.8yrs
Median Age
2% above US avg
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
The median household income in Carlock is $78,125, which is 4% above the national average of $75,149. Per capita income is $42,285. The average weekly wage is $1,058, 26% lower than the U.S. average. The unemployment rate is 1.4% (below the 3.6% US average). 4.3% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 803 business establishments, including 56 restaurants. The cost of living index is 100, roughly in line with the national average. Workers commute an average of 24 minutes. 11.0% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $78,125 |
| 4% above US avg |
| Per Capita Income | $42,285 |
| Avg Weekly Wage | $1,058 |
| IRS Avg AGI | $97,599 |
| Gini Index | 0.427 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.4% |
| 61% below US avg |
| Poverty Rate | 4.3% |
| 65% below US avg |
| Establishments (County) | 803 |
| County GDP | $1,783M |
Business (County)
| Restaurants | 56 |
| Healthcare | 42 |
| Retail | 100 |
| Manufacturing | 46 |
Tax & Cost of Living
| Property Tax (IRS) | $6,738 |
| 93% above US avg |
| Cost of Living | 100.00 (100=avg) |
| Effective Tax Rate | 5.09% |
Commute & Transportation
| Commute Time | 23.7 min |
| Drive Alone | 76.0% |
| Public Transit | 0.0% |
| Work from Home | 11.0% |
The median home value in Carlock is $132,500, 53% below the national median of $281,900. Zillow estimates the typical home value at $271,473, higher than the Census estimate. Homes sell for 102.2% of their list price, indicating a competitive market where bidding wars are common. Monthly rent averages $1,318 (13% above the national average of $1,163). Fair market rent ranges from $854 for a one-bedroom to $1,063 for a two-bedroom apartment. 85.7% of housing units are owner-occupied (above the 65.4% national rate). There are 249 total housing units in the city. The median year a home was built is 1938. The average annual property tax is $6,738 (higher than the $3,500 national average). 9.0% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.7x, well within the affordable range.
Home Values
| Census Median | $132,500 |
| 53% below US avg |
| Zillow ZHVI | $271,473 |
| Median List Price | $210,000 |
Real Estate Market (Redfin)
| Median List Price | $210,000 |
| $/Sq Ft | $114 |
| Homes Sold | 2 |
| Sale-to-List Ratio | 102.2% |
| Price Drops | 0.0% |
| Inventory | 1 |
Rental Costs
| Census Median Rent | $1,318 |
| 13% above US avg |
| Rent Burden | 9.0% |
HUD Fair Market Rent
| Studio | $774 |
| 1 Bedroom | $854 |
| 2 Bedrooms | $1,063 |
| 3 Bedrooms | $1,370 |
| 4 Bedrooms | $1,561 |
Ownership & Property
| Homeownership | 85.7% |
| Owner-Occupied | 85.7% |
| Renter-Occupied | 14.3% |
| Housing Units | 249 |
| Median Year Built | 1938 |
Property Tax
| Avg Tax (IRS) | $6,738 |
| 93% above US avg |
| Effective Rate | 5.09% |
In Carlock, 35.6% of adults are obese, above the national rate of 32.1%. 8.7% have diabetes (below the 10.5% national rate). Heart disease affects 4.9% of residents, below the national average. 30.3% have high blood pressure. 12.8% are current smokers. 20.5% report binge drinking. 18.7% are physically inactive, below the national average. 23.3% report depression (above the 20.0% national average). 17.4% experience frequent mental distress. 6.3% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:2,249. The dentist ratio is 1:5,447. 74.8% of residents have access to exercise opportunities. The food environment index is 8.9 out of 10.
Health Metrics: Carlock vs U.S. Average (%)
Chronic Conditions
| Obesity | 35.6% |
| 11% above US avg |
| Diabetes | 8.7% |
| Heart Disease | 4.9% |
| High Blood Pressure | 30.3% |
| Asthma | 10.5% |
| COPD | 5.5% |
| Cancer | 7.5% |
| Stroke | 2.6% |
Behaviors & Mental Health
| Smoking | 12.8% |
| 9% below US avg |
| Binge Drinking | 20.5% |
| Physical Inactivity | 18.7% |
| Depression | 23.3% |
| Mental Distress | 17.4% |
| Physical Distress | 11.3% |
| Short Sleep | 34.2% |
Healthcare Access
| Insurance Rate | 89.9% |
| Uninsured | 6.3% |
| 27% below US avg |
| Primary Care | 1:2,249 |
| Dentists | 1:5,447 |
| Mental Health | 1:2,252 |
| Checkup Rate | 76.1% |
| Dental Visits | 66.3% |
| Premature Death | 5,803/100K |
Food & Exercise
| Food Environment | 8.9/10 |
| Exercise Access | 74.8% |
| Healthcare Facilities | 42 |
Carlock has a violent crime rate of 0 per 100,000 residents, 100% below the national average of 380. Property crime stands at 514 per 100,000, 74% below the U.S. average. The county recorded 6 fatal traffic crashes. Overall, Carlock receives a safety grade of C+.
Crime Rates: Carlock vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 0.0/100K |
| 100% below US avg |
| |
Property Crime
| Total Property | 513.7/100K |
| 74% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 6 |
| Traffic Accidents | 14 |
| Avg Accident Severity | 3.1 / 4.0 |
Safety Score
| Safety Grade | C+ |
| Safety Score | 2.5 / 5.0 |
Carlock experiences four distinct seasons with an average annual temperature of 52°F (11°C). Winters average 25°F in January while summers reach 75°F in July. The area gets 275 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 37.5 inches. The area receives 22.3 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 765 feet.
Temperature
25°F Jan (-4°C)
75°F Jul (24°C)
| Annual Average | 52.1°F |
| 4% below US avg |
| January Average | 25°F (-4°C) |
| July Average | 75°F (24°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 765 ft (233 m) |
| Area | 0.2 sq mi (0.4 km²) |
| Population Density | 1,400/sq mi |
| Coordinates | 40.5836°N, 89.1288°W |
| Timezone | America/Chicago |
| County | Woodford County County |
| Nearest Airport | Central Il Regional/Bloomington-Normal (BMI)
13 miles away |
Precipitation & Snow
Annual Rainfall
37.5"
1% below US avg
Wettest Month (May)
4.17"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 39.9 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 96.1 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Very Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Moderate |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
4 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.2. Most recent: M2.6 on Mar 15, 2025.
| Jun 28, 2004 |
12 km NW of Dayton, Illinois |
M4.2 |
99 km |
| Sep 2, 1999 |
8 km W of Amboy, Illinois |
M3.5 |
129 km |
| Jul 15, 2024 |
2 km WNW of Somonauk, Illinois |
M3.1 |
123 km |
| Mar 15, 2025 |
6 km W of Dwight, Illinois |
M2.6 |
77 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
762 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 28 fatalities, 746 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Nov 17, 2013 |
EF4 |
37 km |
3 |
| Jul 13, 2004 |
EF4 |
29 km |
0 |
| May 5, 1977 |
EF4 |
39 km |
0 |
| Jun 29, 1976 |
EF4 |
58 km |
0 |
| Mar 20, 1976 |
EF4 |
92 km |
0 |
| Feb 28, 2017 |
EF3 |
84 km |
2 |
| Feb 28, 2017 |
EF3 |
42 km |
0 |
| Nov 17, 2013 |
EF3 |
90 km |
0 |
| Dec 31, 2010 |
EF3 |
91 km |
0 |
| Jun 5, 2010 |
EF3 |
67 km |
0 |
| Aug 19, 2009 |
EF3 |
79 km |
0 |
| Apr 20, 2004 |
EF3 |
75 km |
8 |
| May 10, 2003 |
EF3 |
48 km |
0 |
| Apr 19, 1996 |
EF3 |
85 km |
0 |
| Apr 19, 1996 |
EF3 |
94 km |
0 |
| Apr 19, 1996 |
EF3 |
35 km |
0 |
| May 13, 1995 |
EF3 |
70 km |
0 |
| May 9, 1995 |
EF3 |
98 km |
0 |
| May 9, 1995 |
EF3 |
93 km |
0 |
| Mar 4, 1976 |
EF3 |
78 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
25°F (-4°C) |
1.6 in |
Coldest |
| February |
28°F (-2°C) |
1.6 in |
Driest |
| March |
39°F (4°C) |
3.1 in |
|
| April |
51°F (10°C) |
3.7 in |
|
| May |
62°F (16°C) |
4.2 in |
Wettest |
| June |
71°F (22°C) |
3.9 in |
|
| July |
75°F (24°C) |
3.9 in |
Warmest |
| August |
72°F (22°C) |
3.5 in |
|
| September |
65°F (19°C) |
3.8 in |
|
| October |
54°F (12°C) |
2.7 in |
|
| November |
40°F (5°C) |
2.9 in |
|
| December |
29°F (-2°C) |
2.7 in |
|
Carlock has a seasonal temperature swing of 50°F / from 25°F in January to 75°F in July. Total annual precipitation is 37.6 inches, with May being the wettest month (4.2") and February the driest (1.6").
Average costs for common services in Carlock. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$250 ($150–$400) |
| Specialist Visit |
$350 ($200–$550) |
| Urgent Care Visit |
$200 ($100–$350) |
| Emergency Room Visit |
$2,200 ($800–$5,000) |
| Dental Cleaning |
$130 ($75–$200) |
| Dental Filling |
$250 ($150–$400) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$45 ($25–$75) |
| Oil Change (Synthetic) |
$75 ($50–$120) |
| Brake Pad Replacement |
$300 ($150–$500) |
| Tire Rotation |
$40 ($20–$75) |
| New Tires (Set of 4) |
$600 ($400–$1,000) |
| Battery Replacement |
$200 ($100–$350) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$100 ($60–$150) |
| Electrician (Per Hour) |
$90 ($50–$140) |
| HVAC Repair |
$400 ($150–$800) |
| HVAC System Install |
$7,000 ($4,000–$12,000) |
| Roof Repair |
$1,000 ($400–$2,000) |
| Roof Replacement |
$9,000 ($5,500–$15,000) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,500 ($500–$3,500) |
| Divorce (Contested) |
$15,000 ($5,000–$30,000) |
| DUI Defense |
$5,000 ($2,000–$10,000) |
| Bankruptcy (Chapter 7) |
$1,500 ($800–$3,000) |
| Will Preparation |
$500 ($200–$1,000) |
| Trust Preparation |
$2,500 ($1,000–$5,000) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15–$45) |
| Women's Haircut |
$55 ($30–$100) |
| Hair Coloring (Full) |
$150 ($75–$250) |
| Manicure |
$25 ($15–$45) |
| Pedicure |
$40 ($25–$65) |
| Massage (1 Hour) |
$80 ($50–$130) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.10 ($3.00–$5.50) |
| Dozen Eggs (per dozen) |
$3.50 ($2.50–$5.00) |
| Loaf of Bread |
$3.80 ($2.50–$5.50) |
| Chicken Breast (per lb) |
$4.50 ($3.00–$6.50) |
| Ground Beef (per lb) |
$5.50 ($4.00–$7.50) |
| Rice (per lb) |
$1.00 ($0.60–$1.80) |
View all 20 services
Utilities
| Electricity (Monthly) |
$140 ($80–$250) |
| Natural Gas (Monthly) |
$70 ($30–$150) |
| Water/Sewer (Monthly) |
$70 ($40–$120) |
| Internet (Monthly) |
$70 ($40–$100) |
| Cell Phone Plan (Monthly) |
$65 ($30–$100) |
| Cable TV (Monthly) |
$85 ($50–$150) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$200 ($75–$500) |
| Car Insurance (Annual) |
$2,000 ($1,200–$3,500) |
| Bus Pass (Monthly) |
$70 ($30–$130) |
| Taxi/Uber (5-Mile Ride) |
$15 ($8.00–$25) |
| Car Registration (Annual) |
$100 ($30–$250) |
| Driver's License Renewal |
$30 ($15–$75) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,200 ($600–$2,500) |
| Daycare (Toddler, Monthly) |
$1,000 ($500–$2,000) |
| After-School Care (Monthly) |
$400 ($200–$700) |
| Tutoring (Per Hour) |
$50 ($25–$100) |
| SAT/ACT Prep Course |
$1,000 ($400–$2,500) |
| Private School (K-12, Annual) |
$12,500 ($5,000–$30,000) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$60 ($30–$100) |
| Dog Vaccination (Annual) |
$100 ($50–$200) |
| Dog Grooming |
$60 ($30–$100) |
| Pet Boarding (Per Night) |
$40 ($20–$75) |
| Dog Spay/Neuter |
$300 ($150–$500) |
| Cat Spay/Neuter |
$200 ($100–$400) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,157 |
| Toddler | $989 |
| Preschool | $954 |
| Family Childcare (monthly) |
| Infant | $638 |
| Toddler | $654 |
| Preschool | $671 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Carlock
What is the population of Carlock?
Carlock has a population of 560 residents and is located in Illinois. The population density is 1,400 people per square mile, spread across 0.2 square miles. The median age of residents is 39.8 years. The population is 42% female and 58% male.
Is Carlock expensive to live in?
Carlock has a cost of living roughly in line with the national average, with an index of 100 (baseline: 100). The median household income is $78,125, 4% above the national average of $75,149. The median home value is $132,500 (53% below the U.S. median). Renters pay a median of $1,318 per month, above the national average of $1,163. The home price-to-income ratio is 1.7x, indicating housing is reasonably affordable relative to local income levels.
Is Carlock safe?
Carlock is considered a very safe city with a violent crime rate of 0 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 514 per 100,000 (below the national average). Overall, Carlock receives a safety grade of C+ based on combined crime data.
What is the weather like in Carlock?
Carlock has a four-season climate with an average annual temperature of 52°F (11°C). Winter temperatures average 25°F in January, while summers reach an average of 75°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 37.5 inches, with 22.3 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Carlock?
The job market in Carlock is very strong, with unemployment at just 1.4% / well below the national rate of 3.6%. The average weekly wage is $1,058. There are 803 business establishments in the area, including 56 restaurants and food service locations. The average commute time is 24 minutes, and 11.0% of workers work from home.
How much does housing cost in Carlock?
The median home value in Carlock is $132,500. Zillow estimates the typical home value at $271,473. For renters, the median monthly rent is $1,318. Fair market rent is $854 for a 1-bedroom and $1,063 for a 2-bedroom apartment. The homeownership rate is 85.7%. The average annual property tax is $6,738.
How are the schools in Carlock?
Schools in Carlock score 6.6 out of 10 on standardized testing, near the national average. 20.0% of adults in Carlock hold a bachelor's degree or higher, below the national average of 33.7%. 94.8% have completed high school. 4.1% hold a graduate or professional degree.
How healthy is Carlock?
The obesity rate in Carlock is 35.6% (above the national rate of 32.1%). 12.8% of adults are smokers. 18.7% are physically inactive. 23.3% of residents report depression. 6.3% lack health insurance (below the national rate). 74.8% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,249.
What is transportation like in Carlock?
The average commute in Carlock is 24 minutes, shorter than the national average of 28 minutes. 76% of workers drive alone to work, and 11.0% work from home.
What are the demographics of Carlock?
The racial and ethnic makeup of Carlock is 93.6% White, 0.7% Black or African American. 100% of residents speak only English at home. 3.6% of the population are military veterans. 5.8% of residents have a disability. 89.9% have health insurance coverage.
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