Median Income
$101,250
35% higher than US avg
Home Value
$317,900
13% higher than US avg
Violent Crime
0/100K
100% lower than US avg
Bachelor's+
36.9%
9% higher than US avg
Obesity Rate
38.3%
19% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
0.0%
100% lower than US avg
How Lake Carroll Compares to the U.S. Average (100% = U.S. avg)
People
Population763
Median Age60.6 yrs
Density56/mi²
Male / Female46% / 54%
Largest GroupWhite 99%
Veterans11.0%
Economy
A+
Median Income$101,250
Per Capita$53,714
Unemployment0.0%
Poverty0.0%
County GDP$761M
Commute28 min
Housing
A+
Home Value$317,900
Ownership99.3%
Zillow$306,340
Housing Units1,001
Rent Burden22.9%
Crime
Violent0/100K
Property0/100K
Health
Obesity38.3%
Uninsured7.4%
Smoking15.2%
Depression24.2%
Heart Disease5.7%
Climate
Avg Temp49°F (9°C)
AQI43 (Good)
Rain40.3 in/yr
Sunny Days246/yr
Elevation820 ft (250 m)
Education
B+
Bachelor's+36.9%
High School+94.3%
Graduate+6.8%
School Score5.63
Community
2024 VoteR 65% / D 33%
Commute28 min
Broadband84.7%
EV Stations1
Libraries6
Is Lake Carroll a Good Place to Live?
Based on current data, Lake Carroll receives an overall livability score of 4.6 out of 5.0, earning a grade of A+. Key strengths include above-average household incomes, low unemployment, low crime rates, abundant sunshine. Lake Carroll stands out as an excellent place to live, with strong marks across most quality-of-life indicators.
Economy & Jobs
The median household income in Lake Carroll is $101,250, which is significantly higher than the national average / 35% above $75,149. This places Lake Carroll among higher-income communities. The job market is very strong with unemployment at just 0.0%. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 28 minutes.
Cost of Living & Housing
The median home value in Lake Carroll is $317,900, 13% above the national median. A price-to-income ratio of 3.1x indicates a reasonably affordable housing market.
Safety & Crime
Lake Carroll 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 0 per 100,000, 100% below the national average.
Education
Educational attainment is solid, with 36.9% holding a bachelor's degree or higher, near the national average. 94.3% have completed high school. Area schools have an average test score of 5.6/10.
Climate & Weather
Lake Carroll experiences four distinct seasons with an average temperature of 49°F. Winters average 21°F in January while summers reach 73°F in July. The area gets 246 sunny days per year. Annual precipitation totals 40.3 inches, including 33.4 inches of snow. Air quality is rated Good with a median AQI of 43.
Lake Carroll has a population of 763 with a density of 56 people per square mile, spread across 13.6 square miles. The median age is 60.6 years, 56% older than the national median of 38.9. The gender split is 54.1% female and 45.9% male. The city is predominantly White (99.3%). English is the primary language spoken at home by 91.6% of residents, while 8.4% speak Spanish. 11.0% of the population are veterans, above the national rate of 6.0%. 8.6% of residents have a disability (below the 13.0% national average). 90.5% have health insurance coverage.
Population
60.6yrs
Median Age
56% above US avg
Race & Ethnicity
Lake Carroll vs U.S. Average
Language Spoken at Home
English Only
91.6%
17% above US avg
Spanish
8.4%
37% below US avg
Social Characteristics
Lake Carroll vs U.S. Average
The median household income in Lake Carroll is $101,250, which is 35% above the national average of $75,149. Per capita income is $53,714 (above the $39,052 national figure). The average weekly wage is $903, 37% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 0.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 405 business establishments, including 41 restaurants. The cost of living index is 100, roughly in line with the national average. Workers commute an average of 28 minutes. 9.7% of workers work from home (below the 15.2% national rate).
Income: Lake Carroll vs U.S.
Income
| Median HH Income | $101,250 |
| 35% above US avg |
| Per Capita Income | $53,714 |
| Avg Weekly Wage | $903 |
| IRS Avg AGI | $68,658 |
| Gini Index | 0.415 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 405 |
| County GDP | $761M |
Business (County)
| Restaurants | 41 |
| Healthcare | 25 |
| Retail | 54 |
| Manufacturing | 19 |
Tax & Cost of Living
| Property Tax (IRS) | $5,595 |
| 60% above US avg |
| Cost of Living | 100.00 (100=avg) |
| Effective Tax Rate | 1.76% |
Commute & Transportation
| Commute Time | 28.2 min |
| Drive Alone | 80.2% |
| Public Transit | 0.0% |
| Work from Home | 9.7% |
The median home value in Lake Carroll is $317,900, 13% above the national median of $281,900. Zillow estimates the typical home value at $306,340. Fair market rent ranges from $854 for a one-bedroom to $1,063 for a two-bedroom apartment. 99.3% of housing units are owner-occupied (above the 65.4% national rate). There are 1,001 total housing units in the city. The median year a home was built is 1997. The average annual property tax is $5,595 (higher than the $3,500 national average). 22.9% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.1x.
Home Values
| Census Median | $317,900 |
| 13% above US avg |
| Zillow ZHVI | $306,340 |
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $774 |
| 1 Bedroom | $854 |
| 2 Bedrooms | $1,063 |
| 3 Bedrooms | $1,370 |
| 4 Bedrooms | $1,561 |
Ownership & Property
| Homeownership | 99.3% |
| Owner-Occupied | 99.3% |
| Renter-Occupied | 0.7% |
| Housing Units | 1,001 |
| Median Year Built | 1997 |
Property Tax
| Avg Tax (IRS) | $5,595 |
| 60% above US avg |
| Effective Rate | 1.76% |
In Lake Carroll, 38.3% of adults are obese, above the national rate of 32.1%. 9.6% have diabetes. Heart disease affects 5.7% of residents. 31.3% have high blood pressure. 15.2% are current smokers. 21.4% report binge drinking. 21.9% are physically inactive. 24.2% report depression (above the 20.0% national average). 18.8% experience frequent mental distress. 7.4% of residents lack health insurance. The primary care physician ratio is 1:5,233. The dentist ratio is 1:3,882. 57.9% of residents have access to exercise opportunities. The food environment index is 8.3 out of 10.
Health Metrics: Lake Carroll vs U.S. Average (%)
Chronic Conditions
| Obesity | 38.3% |
| 19% above US avg |
| Diabetes | 9.6% |
| Heart Disease | 5.7% |
| High Blood Pressure | 31.3% |
| Asthma | 10.6% |
| COPD | 6.7% |
| Cancer | 7.5% |
| Stroke | 2.9% |
Behaviors & Mental Health
| Smoking | 15.2% |
| 9% above US avg |
| Binge Drinking | 21.4% |
| Physical Inactivity | 21.9% |
| Depression | 24.2% |
| Mental Distress | 18.8% |
| Physical Distress | 12.7% |
| Short Sleep | 35.1% |
Healthcare Access
| Insurance Rate | 90.5% |
| Uninsured | 7.4% |
| 14% below US avg |
| Primary Care | 1:5,233 |
| Dentists | 1:3,882 |
| Mental Health | 1:776 |
| Checkup Rate | 75.4% |
| Dental Visits | 64.3% |
| Premature Death | 8,316/100K |
Food & Exercise
| Food Environment | 8.3/10 |
| Exercise Access | 57.9% |
| Healthcare Facilities | 25 |
Lake Carroll has a violent crime rate of 0 per 100,000 residents, 100% below the national average of 380. Property crime stands at 0 per 100,000, 100% below the U.S. average. The county recorded 2 fatal traffic crashes.
Crime Rates: Lake Carroll vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 0.0/100K |
| 100% below US avg |
| |
Property Crime
| Total Property | 0.0/100K |
| 100% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 2 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
Lake Carroll experiences four distinct seasons with an average annual temperature of 49°F (9°C). Winters average 21°F in January while summers reach 73°F in July. The area gets 246 sunny days per year, above the national average. Annual precipitation totals 40.3 inches. The area receives 33.4 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 820 feet.
Temperature
21°F Jan (-6°C)
73°F Jul (23°C)
| Annual Average | 48.5°F |
| 10% below US avg |
| January Average | 21°F (-6°C) |
| July Average | 73°F (23°C) |
| Sunny Days | 246 days/yr |
Geography
| Elevation | 820 ft (250 m) |
| Area | 13.6 sq mi (35.1 km²) |
| Population Density | 56/sq mi |
| Coordinates | 42.1706°N, 89.8647°W |
| Timezone | America/Chicago |
| County | Carroll County County |
| Nearest Airport | Chicago/Rockford International (RFD)
39 miles away |
Precipitation & Snow
Annual Rainfall
40.3"
6% above US avg
Wettest Month (Jun)
4.33"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 39.0 / 100 |
| Social Vulnerability | 55.4 / 100 |
| Community Resilience | 69.4 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Very Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
6 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.2. Most recent: M3.1 on Jul 15, 2024.
| Jun 28, 2004 |
12 km NW of Dayton, Illinois |
M4.2 |
112 km |
| Feb 10, 2010 |
2 km NW of Lily Lake, Illinois |
M3.8 |
115 km |
| Sep 2, 1999 |
8 km W of Amboy, Illinois |
M3.5 |
61 km |
| Jul 15, 2024 |
2 km WNW of Somonauk, Illinois |
M3.1 |
112 km |
| Mar 25, 2015 |
3 km WNW of Lake in the Hills, Illinois |
M2.9 |
124 km |
| Jun 10, 2013 |
4 km NNE of Virgil, Illinois |
M2.6 |
114 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
567 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 42 fatalities, 926 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 7, 1984 |
EF5 |
89 km |
9 |
| Apr 9, 2015 |
EF4 |
59 km |
2 |
| Jul 3, 1983 |
EF4 |
92 km |
0 |
| Mar 29, 1981 |
EF4 |
55 km |
0 |
| Apr 21, 1967 |
EF4 |
78 km |
24 |
| Apr 11, 1965 |
EF4 |
95 km |
1 |
| Jun 16, 2014 |
EF3 |
96 km |
0 |
| Jan 7, 2008 |
EF3 |
89 km |
0 |
| Aug 18, 2005 |
EF3 |
91 km |
1 |
| May 9, 1995 |
EF3 |
97 km |
0 |
| Jun 19, 1993 |
EF3 |
72 km |
0 |
| Jun 17, 1992 |
EF3 |
84 km |
0 |
| Mar 13, 1990 |
EF3 |
72 km |
0 |
| May 8, 1988 |
EF3 |
89 km |
0 |
| May 8, 1988 |
EF3 |
55 km |
0 |
| Aug 5, 1979 |
EF3 |
29 km |
0 |
| Jun 30, 1977 |
EF3 |
97 km |
0 |
| Jun 20, 1974 |
EF3 |
40 km |
1 |
| May 13, 1974 |
EF3 |
86 km |
0 |
| Sep 9, 1970 |
EF3 |
76 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
1 wildfire (100+ acres) within 100 km.
Largest: COLD SPRINGS (552 ac, 2009).
| Year |
Name |
Acres |
Distance |
| 2009 |
COLD SPRINGS |
552 |
59 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
21°F (-6°C) |
1.3 in |
Coldest, Driest |
| February |
23°F (-5°C) |
1.3 in |
|
| March |
35°F (2°C) |
2.5 in |
|
| April |
47°F (8°C) |
3.4 in |
|
| May |
59°F (15°C) |
3.9 in |
|
| June |
68°F (20°C) |
4.3 in |
Wettest |
| July |
73°F (23°C) |
3.6 in |
Warmest |
| August |
70°F (21°C) |
4.3 in |
|
| September |
62°F (17°C) |
3.9 in |
|
| October |
50°F (10°C) |
2.7 in |
|
| November |
36°F (2°C) |
2.6 in |
|
| December |
24°F (-5°C) |
1.9 in |
|
Lake Carroll has a seasonal temperature swing of 52°F / from 21°F in January to 73°F in July. Total annual precipitation is 35.6 inches, with June being the wettest month (4.3") and January the driest (1.3").
Average costs for common services in Lake Carroll. 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
Frequently Asked Questions About Lake Carroll
What is the population of Lake Carroll?
Lake Carroll has a population of 763 residents and is located in Illinois. The population density is 56 people per square mile, spread across 13.6 square miles. The median age of residents is 60.6 years, which is older than the national median of 38.9 years. The population is 54.1% female and 45.9% male.
Is Lake Carroll expensive to live in?
Lake Carroll has a cost of living roughly in line with the national average, with an index of 100 (baseline: 100). The median household income is $101,250, 35% above the national average of $75,149. The median home value is $317,900 (13% above the U.S. median). The home price-to-income ratio is 3.1x, indicating housing is reasonably affordable relative to local income levels.
Is Lake Carroll safe?
Lake Carroll 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 0 per 100,000 (below the national average).
What is the weather like in Lake Carroll?
Lake Carroll has a four-season climate with an average annual temperature of 49°F (9°C). Winter temperatures average 21°F in January, while summers reach an average of 73°F in July. The area receives 246 sunny days per year. Annual rainfall totals 40.3 inches, with 33.4 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Lake Carroll?
The job market in Lake Carroll is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $903. There are 405 business establishments in the area, including 41 restaurants and food service locations. The average commute time is 28 minutes, and 9.7% of workers work from home.
How much does housing cost in Lake Carroll?
The median home value in Lake Carroll is $317,900. Zillow estimates the typical home value at $306,340. The homeownership rate is 99.3%. The average annual property tax is $5,595.
How are the schools in Lake Carroll?
Schools in Lake Carroll score 5.6 out of 10 on standardized testing, near the national average. 36.9% of adults in Lake Carroll hold a bachelor's degree or higher, above the national average of 33.7%. 94.3% have completed high school. 6.8% hold a graduate or professional degree.
How healthy is Lake Carroll?
The obesity rate in Lake Carroll is 38.3% (above the national rate of 32.1%). 15.2% of adults are smokers. 21.9% are physically inactive. 24.2% of residents report depression. 7.4% lack health insurance. 57.9% of residents have access to exercise opportunities. The primary care physician ratio is 1:5,233.
What is transportation like in Lake Carroll?
The average commute in Lake Carroll is 28 minutes. 80.2% of workers drive alone to work, and 9.7% work from home.
What are the demographics of Lake Carroll?
The racial and ethnic makeup of Lake Carroll is 99.3% White. 91.6% of residents speak only English at home, while 8.4% speak Spanish. 11.0% of the population are military veterans. 8.6% of residents have a disability. 90.5% have health insurance coverage.
All Countries
