Median Income
$106,030
41% higher than US avg
Home Value
$231,900
18% lower than US avg
Violent Crime
47/100K
88% lower than US avg
Bachelor's+
49.4%
47% higher than US avg
Median Rent
$1,157
1% lower than US avg
Obesity Rate
34.4%
7% higher than US avg
Unemployment
2.5%
31% lower than US avg
Poverty Rate
0.8%
94% lower than US avg
How Chatham Compares to the U.S. Average (100% = U.S. avg)
People
Population14,740
Median Age35.1 yrs
Density1,989/mi²
Male / Female45% / 55%
Largest GroupWhite 90%
Veterans5.3%
Economy
A+
Median Income$106,030
Per Capita$46,957
Unemployment2.5%
Poverty0.8%
County GDP$15,669M
Commute23 min
Housing
A+
Home Value$231,900
Rent$1,157
Ownership79.6%
Zillow$296,201
Housing Units5,756
Rent Burden25.9%
Crime
F
Violent47/100K
Property703/100K
Murder0.0/100K
Assault31/100K
Burglary94/100K
Health
Obesity34.4%
Uninsured5.1%
Smoking9.4%
Depression21.3%
Heart Disease4.1%
Climate
Avg Temp53°F (12°C)
AQI43 (Good)
Rain40.5 in/yr
Sunny Days293/yr
Elevation598 ft (182 m)
Education
A+
Bachelor's+49.4%
High School+97.4%
Graduate+19.9%
School Score5.36
Community
2024 VoteR 52% / D 47%
Commute23 min
Broadband91.1%
EV Stations1
Libraries13
Is Chatham a Good Place to Live?
Based on current data, Chatham receives an overall livability score of 4.0 out of 5.0, earning a grade of A. Key strengths include above-average household incomes, low unemployment, low crime rates, a highly educated population. Chatham stands out as an excellent place to live, with strong marks across most quality-of-life indicators.
Economy & Jobs
The median household income in Chatham is $106,030, which is significantly higher than the national average / 41% above $75,149. This places Chatham among higher-income communities. The job market is very strong with unemployment at just 2.5%. Only 0.8% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 23 minutes.
Cost of Living & Housing
The median home value in Chatham is $231,900, 18% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,157 per month. At just 2.2x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Chatham is a very safe community with a violent crime rate of 47 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 703 per 100,000, 64% below the national average.
Education
Educational attainment is solid, with 49.4% holding a bachelor's degree or higher, near the national average. 97.4% have completed high school. Area schools have an average test score of 5.4/10.
Climate & Weather
Chatham experiences four distinct seasons with an average temperature of 53°F. Winters average 27°F in January while summers reach 76°F in July. With 293 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 40.5 inches. Air quality is rated Good with a median AQI of 43.
Chatham has a population of 14,740 with a density of 1,989 people per square mile, spread across 2.7 square miles. The median age is 35.1 years, 10% younger than the national median of 38.9. The gender split is 55% female and 45% male. The city is predominantly White (90.2%), with 2.3% Black. English is the primary language spoken at home by 95.5% of residents. 5.3% of the population are veterans. 8.0% of residents have a disability (below the 13.0% national average). 96.2% have health insurance coverage.
Population
35.1yrs
Median Age
10% below US avg
Language Spoken at Home
English Only
95.5%
22% above US avg
Spanish
4.5%
66% below US avg
The median household income in Chatham is $106,030, which is 41% above the national average of $75,149. Per capita income is $46,957 (above the $39,052 national figure). The average weekly wage is $1,334. The unemployment rate is 2.5% (below the 3.6% US average). 0.8% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 4,970 business establishments, including 544 restaurants. The cost of living index is 100, roughly in line with the national average. Workers commute an average of 23 minutes. 14.1% of workers work from home.
Income
| Median HH Income | $106,030 |
| 41% above US avg |
| Per Capita Income | $46,957 |
| Avg Weekly Wage | $1,334 |
| IRS Avg AGI | $83,001 |
| Gini Index | 0.460 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.5% |
| 31% below US avg |
| Poverty Rate | 0.8% |
| 94% below US avg |
| Establishments (County) | 4,970 |
| County GDP | $15,669M |
Business (County)
| Restaurants | 544 |
| Healthcare | 489 |
| Retail | 672 |
| Manufacturing | 92 |
Tax & Cost of Living
| Property Tax (IRS) | $7,281 |
| 108% above US avg |
| Cost of Living | 100.00 (100=avg) |
| Effective Tax Rate | 3.14% |
Commute & Transportation
| Commute Time | 23.4 min |
| Drive Alone | 77.6% |
| Public Transit | 0.3% |
| Work from Home | 14.1% |
The median home value in Chatham is $231,900, 18% below the national median of $281,900. Zillow estimates the typical home value at $296,201, higher than the Census estimate. Homes sell for 99.3% of their list price. Monthly rent averages $1,157 (1% below the national average of $1,163). Fair market rent ranges from $854 for a one-bedroom to $1,063 for a two-bedroom apartment. 79.6% of housing units are owner-occupied (above the 65.4% national rate). There are 5,756 total housing units in the city. The median year a home was built is 1994. The average annual property tax is $7,281 (higher than the $3,500 national average). 25.9% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.2x, well within the affordable range.
Home Values
| Census Median | $231,900 |
| 18% below US avg |
| Zillow ZHVI | $296,201 |
| Median List Price | $269,900 |
Real Estate Market (Redfin)
| Median List Price | $269,900 |
| $/Sq Ft | $143 |
| Homes Sold | 7 |
| Sale-to-List Ratio | 99.3% |
| Price Drops | 15.4% |
| Inventory | 13 |
Rental Costs
| Census Median Rent | $1,157 |
| 1% below US avg |
| Rent Burden | 25.9% |
HUD Fair Market Rent
| Studio | $774 |
| 1 Bedroom | $854 |
| 2 Bedrooms | $1,063 |
| 3 Bedrooms | $1,370 |
| 4 Bedrooms | $1,561 |
Ownership & Property
| Homeownership | 79.6% |
| Owner-Occupied | 79.6% |
| Renter-Occupied | 20.4% |
| Housing Units | 5,756 |
| Median Year Built | 1994 |
Property Tax
| Avg Tax (IRS) | $7,281 |
| 108% above US avg |
| Effective Rate | 3.14% |
In Chatham, 34.4% of adults are obese, above the national rate of 32.1%. 7.5% have diabetes (below the 10.5% national rate). Heart disease affects 4.1% of residents, below the national average. 27.6% have high blood pressure. 9.4% are current smokers (below the 14.0% national rate). 21.3% report binge drinking. 15.3% are physically inactive, below the national average. 21.3% report depression. 15.5% experience frequent mental distress. 5.1% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:829. The dentist ratio is 1:1,165. 87.6% of residents have access to exercise opportunities. The food environment index is 8.3 out of 10.
Air Quality (Open-Meteo CAMS — 2026-05-24)
PM2.5
6.0
μg/m³
Fine particulate
PM10
6.5
μg/m³
Coarse particulate
NO₂
4.5
μg/m³
Nitrogen dioxide
SO₂
1.3
μg/m³
Sulphur dioxide
CO
162.0
μg/m³
Carbon monoxide
Health Metrics: Chatham vs U.S. Average (%)
Chronic Conditions
| Obesity | 34.4% |
| 7% above US avg |
| Diabetes | 7.5% |
| Heart Disease | 4.1% |
| High Blood Pressure | 27.6% |
| Asthma | 9.9% |
| COPD | 4.3% |
| Cancer | 7.5% |
| Stroke | 2.2% |
Behaviors & Mental Health
| Smoking | 9.4% |
| 33% below US avg |
| Binge Drinking | 21.3% |
| Physical Inactivity | 15.3% |
| Depression | 21.3% |
| Mental Distress | 15.5% |
| Physical Distress | 9.7% |
| Short Sleep | 32.9% |
Healthcare Access
| Insurance Rate | 96.2% |
| Uninsured | 5.1% |
| 41% below US avg |
| Primary Care | 1:829 |
| Dentists | 1:1,165 |
| Mental Health | 1:310 |
| Checkup Rate | 77.2% |
| Dental Visits | 71.1% |
| Premature Death | 8,880/100K |
Food & Exercise
| Food Environment | 8.3/10 |
| Exercise Access | 87.6% |
| Healthcare Facilities | 489 |
Chatham has a violent crime rate of 47 per 100,000 residents, 88% below the national average of 380. This breaks down to aggravated assault at 31.2 per 100,000, robbery at 0.0, rape at 15.6. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 703 per 100,000, 64% below the U.S. average. This includes larceny/theft at 539, burglary at 94, vehicle theft at 70 per 100,000 residents. The county recorded 30 fatal traffic crashes. Overall, Chatham receives a safety grade of F.
Crime Rates: Chatham vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 46.8/100K |
| 88% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 15.6/100K |
| Robbery | 0.0/100K |
| Assault | 31.2/100K |
Property Crime
| Total Property | 702.6/100K |
| 64% below US avg |
| Burglary | 93.7/100K |
| Theft | 538.7/100K |
| Vehicle Theft | 70.3/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 30 |
| Traffic Accidents | 1 |
| Avg Accident Severity | 2.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Chatham experiences four distinct seasons with an average annual temperature of 53°F (12°C). Winters average 27°F in January while summers reach 76°F in July. The area gets 293 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 40.5 inches. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 598 feet.
Temperature
27°F Jan (-3°C)
76°F Jul (24°C)
| Annual Average | 52.9°F |
| 2% below US avg |
| January Average | 27°F (-3°C) |
| July Average | 76°F (24°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 598 ft (182 m) |
| Area | 2.7 sq mi (7.0 km²) |
| Population Density | 1,989/sq mi |
| Coordinates | 39.6745°N, 89.6933°W |
| Timezone | America/Chicago |
| County | Sangamon County County |
| Nearest Airport | St Louis Regional (ALN) 57 miles away |
Precipitation & Snow
Annual Rainfall
40.5"
6% above US avg
Wettest Month (May)
4.21"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0483 ppm |
| PM2.5 (Fine Particles) | 8.9 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Moderate |
| Risk Score | 91.7 / 100 |
| Social Vulnerability | 32.0 / 100 |
| Community Resilience | 92.2 / 100 |
Hazard Breakdown
| Tornado |
Relatively High |
| Hurricane |
Very Low |
| Earthquake |
Relatively Moderate |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively High |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Relatively High |
| Lightning |
Relatively High |
| Ice Storm |
Relatively Moderate |
| Drought |
Relatively High |
| Cold Wave |
Relatively High |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
10 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.4. Most recent: M3.3 on May 13, 2025.
| Mar 2, 1990 |
9 km NW of Vernon, Illinois |
M3.4 |
102 km |
| May 13, 2025 |
7 km SSW of Lerna, Illinois |
M3.3 |
122 km |
| Jan 29, 1993 |
7 km WNW of Brownstown, Illinois |
M3.2 |
91 km |
| Jul 1, 2017 |
9 km SSE of Mulberry Grove, Illinois |
M3.1 |
100 km |
| Sep 5, 2004 |
3 km WNW of Saint Peter, Illinois |
M2.9 |
112 km |
| Apr 29, 2022 |
1 km SSW of Peerless Park, Missouri |
M2.8 |
145 km |
| Mar 28, 2024 |
1 km NNE of Germantown, Illinois |
M2.8 |
124 km |
| May 5, 2008 |
3 km SSE of Fenton, Missouri |
M2.8 |
146 km |
| Sep 19, 2024 |
1 km S of Old Monroe, Missouri |
M2.6 |
124 km |
| Jan 15, 1998 |
1 km SSE of Fenton, Missouri |
M2.5 |
145 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
681 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 23 fatalities, 698 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 13, 1995 |
EF4 |
93 km |
0 |
| May 5, 1977 |
EF4 |
74 km |
0 |
| Mar 20, 1976 |
EF4 |
78 km |
0 |
| Jun 14, 1957 |
EF4 |
8 km |
2 |
| Apr 4, 2023 |
EF3 |
91 km |
0 |
| Dec 1, 2018 |
EF3 |
39 km |
0 |
| Apr 19, 2011 |
EF3 |
28 km |
0 |
| Dec 31, 2010 |
EF3 |
37 km |
0 |
| Aug 19, 2009 |
EF3 |
33 km |
0 |
| May 10, 2003 |
EF3 |
89 km |
0 |
| Jun 1, 1999 |
EF3 |
40 km |
1 |
| Apr 19, 1996 |
EF3 |
78 km |
0 |
| Apr 19, 1996 |
EF3 |
47 km |
0 |
| May 13, 1995 |
EF3 |
85 km |
0 |
| May 9, 1995 |
EF3 |
23 km |
0 |
| May 1, 1983 |
EF3 |
65 km |
0 |
| Jul 26, 1978 |
EF3 |
16 km |
0 |
| Aug 21, 1977 |
EF3 |
94 km |
6 |
| Aug 6, 1977 |
EF3 |
6 km |
0 |
| Jul 28, 1976 |
EF3 |
94 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
27°F (-3°C) |
1.7 in |
Coldest, Driest |
| February |
30°F (-1°C) |
1.8 in |
|
| March |
42°F (5°C) |
3.2 in |
|
| April |
53°F (12°C) |
3.6 in |
|
| May |
64°F (18°C) |
4.2 in |
Wettest |
| June |
73°F (23°C) |
3.9 in |
|
| July |
76°F (24°C) |
3.6 in |
Warmest |
| August |
74°F (23°C) |
3.4 in |
|
| September |
67°F (20°C) |
3.2 in |
|
| October |
55°F (13°C) |
2.6 in |
|
| November |
42°F (6°C) |
2.9 in |
|
| December |
31°F (-1°C) |
2.6 in |
|
Chatham has a seasonal temperature swing of 49°F / from 27°F in January to 76°F in July. Total annual precipitation is 36.8 inches, with May being the wettest month (4.2") and January the driest (1.7").
Average costs for common services in Chatham. 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 | $848 |
| Toddler | $815 |
| Preschool | $758 |
| Family Childcare (monthly) |
| Infant | $783 |
| Toddler | $748 |
| Preschool | $686 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Chatham
What is the population of Chatham?
Chatham has a population of 14,740 residents and is located in Illinois. The population density is 1,989 people per square mile, spread across 2.7 square miles. The median age of residents is 35.1 years, which is younger than the national median of 38.9 years. The population is 55% female and 45% male.
Is Chatham expensive to live in?
Chatham has a cost of living roughly in line with the national average, with an index of 100 (baseline: 100). The median household income is $106,030, 41% above the national average of $75,149. The median home value is $231,900 (18% below the U.S. median). Renters pay a median of $1,157 per month. The home price-to-income ratio is 2.2x, indicating housing is reasonably affordable relative to local income levels.
Is Chatham safe?
Chatham is considered a very safe city with a violent crime rate of 47 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 703 per 100,000 (below the national average). Overall, Chatham receives a safety grade of F based on combined crime data.
What is the weather like in Chatham?
Chatham has a four-season climate with an average annual temperature of 53°F (12°C). Winter temperatures average 27°F in January, while summers reach an average of 76°F in July. The area receives 293 sunny days per year, well above the national average of 205. Annual rainfall totals 40.5 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Chatham?
The job market in Chatham is very strong, with unemployment at just 2.5% / well below the national rate of 3.6%. The average weekly wage is $1,334. There are 4,970 business establishments in the area, including 544 restaurants and food service locations. The average commute time is 23 minutes, and 14.1% of workers work from home.
How much does housing cost in Chatham?
The median home value in Chatham is $231,900. Zillow estimates the typical home value at $296,201. For renters, the median monthly rent is $1,157. Fair market rent is $854 for a 1-bedroom and $1,063 for a 2-bedroom apartment. The homeownership rate is 79.6%. The average annual property tax is $7,281.
How are the schools in Chatham?
Schools in Chatham score 5.4 out of 10 on standardized testing, near the national average. 49.4% of adults in Chatham hold a bachelor's degree or higher, above the national average of 33.7%. 97.4% have completed high school. 19.9% hold a graduate or professional degree.
How healthy is Chatham?
The obesity rate in Chatham is 34.4% (above the national rate of 32.1%). 9.4% of adults are smokers. 15.3% are physically inactive. 21.3% of residents report depression. 5.1% lack health insurance (below the national rate). 87.6% of residents have access to exercise opportunities. The primary care physician ratio is 1:829.
What is transportation like in Chatham?
The average commute in Chatham is 23 minutes, shorter than the national average of 28 minutes. 77.6% of workers drive alone to work, and 14.1% work from home.
What are the demographics of Chatham?
The racial and ethnic makeup of Chatham is 90.2% White, 2.3% Black or African American, 0.7% Hispanic or Latino. 95.5% of residents speak only English at home, while 4.5% speak Spanish. 5.3% of the population are military veterans. 8.0% of residents have a disability. 96.2% have health insurance coverage.