Median Income
$50,664
33% lower than US avg
Home Value
$58,000
79% lower than US avg
Violent Crime
270/100K
29% lower than US avg
Bachelor's+
8.0%
76% lower than US avg
Median Rent
$742
36% lower than US avg
Obesity Rate
37.8%
18% higher than US avg
Unemployment
1.4%
61% lower than US avg
Poverty Rate
3.6%
71% lower than US avg
How Ramsey Compares to the U.S. Average (100% = U.S. avg)
People
Population998
Median Age38.8 yrs
Density899/mi²
Male / Female46% / 54%
Largest GroupWhite 93%
Veterans2.7%
Economy
A
Median Income$50,664
Per Capita$19,455
Unemployment1.4%
Poverty3.6%
County GDP$770M
Commute38 min
Housing
A+
Home Value$58,000
Rent$742
Ownership81.8%
Zillow$140,279
Housing Units384
Rent Burden33.2%
Crime
F
Violent270/100K
Property2,654/100K
Health
Obesity37.8%
Uninsured7.9%
Smoking15.7%
Depression24.6%
Heart Disease5.6%
Climate
Avg Temp53°F (11°C)
AQI43 (Good)
Rain42.5 in/yr
Sunny Days293/yr
Elevation613 ft (187 m)
Education
D
Bachelor's+8.0%
High School+69.0%
Graduate+3.3%
School Score4.81
Community
2024 VoteR 82% / D 17%
Commute38 min
Broadband74.1%
EV Stations3
Libraries4
Is Ramsey a Good Place to Live?
Based on current data, Ramsey receives an overall livability score of 2.9 out of 5.0, earning a grade of C+. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes, long commute times. Ramsey has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Ramsey is $50,664, 33% below the national average of $75,149. The job market is very strong with unemployment at just 1.4%. Only 3.6% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 38 minutes, longer than the typical American commute of 28 minutes.
Cost of Living & Housing
The median home value in Ramsey is $58,000, 79% below the national median / offering relatively affordable homeownership. Renters pay a median of $742 per month, below the national average / a plus for affordability. At just 1.1x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Ramsey is below the national average at 270 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 2,654 per 100,000, 35% above the national average.
Education
8.0% of residents hold a bachelor's degree, below the national average of 33.7%. 69.0% have completed high school. Area schools have an average test score of 4.8/10.
Climate & Weather
Ramsey experiences four distinct seasons with an average temperature of 53°F. Winters average 27°F in January while summers reach 75°F in July. With 293 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 42.5 inches, including 12.8 inches of snow. Air quality is rated Good with a median AQI of 43.
Ramsey has a population of 998 with a density of 899 people per square mile, spread across 0.4 square miles. The median age is 38.8 years, 0% younger than the national median of 38.9. The gender split is 53.8% female and 46.2% male. The city is predominantly White (92.9%), with 1.4% Hispanic, 2.1% Black. English is the primary language spoken at home by 99.8% of residents. 2.7% of the population are veterans, below the national rate of 6.0%. 22.7% of residents have a disability (above the 13.0% national average). 88.3% have health insurance coverage.
Population
38.8yrs
Median Age
0% below US avg
Language Spoken at Home
English Only
99.8%
27% above US avg
Spanish
0.2%
99% below US avg
The median household income in Ramsey is $50,664, which is 33% below the national average of $75,149. Per capita income is $19,455 (below the $39,052 national figure). The average weekly wage is $869, 39% lower than the U.S. average. The unemployment rate is 1.4% (below the 3.6% US average). 3.6% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 460 business establishments, including 43 restaurants. The cost of living index is 100, roughly in line with the national average. Workers commute an average of 38 minutes (longer than the 28-minute US average). 0.9% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $50,664 |
| 33% below US avg |
| Per Capita Income | $19,455 |
| Avg Weekly Wage | $869 |
| IRS Avg AGI | $63,947 |
| Gini Index | 0.455 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.4% |
| 61% below US avg |
| Poverty Rate | 3.6% |
| 71% below US avg |
| Establishments (County) | 460 |
| County GDP | $770M |
Business (County)
| Restaurants | 43 |
| Healthcare | 50 |
| Retail | 73 |
| Manufacturing | 19 |
Tax & Cost of Living
| Property Tax (IRS) | $3,672 |
| 5% above US avg |
| Cost of Living | 100.00 (100=avg) |
| Effective Tax Rate | 6.33% |
Commute & Transportation
| Commute Time | 37.7 min |
| Drive Alone | 86.3% |
| Public Transit | 0.0% |
| Work from Home | 0.9% |
The median home value in Ramsey is $58,000, 79% below the national median of $281,900. Zillow estimates the typical home value at $140,279, higher than the Census estimate. Monthly rent averages $742 (36% 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. 81.8% of housing units are owner-occupied (above the 65.4% national rate). There are 384 total housing units in the city. The median year a home was built is 1965. The average annual property tax is $3,672. 33.2% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.1x, well within the affordable range.
Home Values
| Census Median | $58,000 |
| 79% below US avg |
| Zillow ZHVI | $140,279 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $742 |
| 36% below US avg |
| Rent Burden | 33.2% |
HUD Fair Market Rent
| Studio | $774 |
| 1 Bedroom | $854 |
| 2 Bedrooms | $1,063 |
| 3 Bedrooms | $1,370 |
| 4 Bedrooms | $1,561 |
Ownership & Property
| Homeownership | 81.8% |
| Owner-Occupied | 81.8% |
| Renter-Occupied | 18.2% |
| Housing Units | 384 |
| Median Year Built | 1965 |
Property Tax
| Avg Tax (IRS) | $3,672 |
| 5% above US avg |
| Effective Rate | 6.33% |
In Ramsey, 37.8% of adults are obese, above the national rate of 32.1%. 9.6% have diabetes. Heart disease affects 5.6% of residents. 31.2% have high blood pressure. 15.7% are current smokers. 20.5% report binge drinking. 22.6% are physically inactive. 24.6% report depression (above the 20.0% national average). 19.0% experience frequent mental distress. 7.9% of residents lack health insurance. The primary care physician ratio is 1:5,346. The dentist ratio is 1:2,130. 44.3% of residents have access to exercise opportunities. The food environment index is 6.5 out of 10.
Health Metrics: Ramsey vs U.S. Average (%)
Chronic Conditions
| Obesity | 37.8% |
| 18% above US avg |
| Diabetes | 9.6% |
| Heart Disease | 5.6% |
| High Blood Pressure | 31.2% |
| Asthma | 10.8% |
| COPD | 7.2% |
| Cancer | 7.5% |
| Stroke | 3.0% |
Behaviors & Mental Health
| Smoking | 15.7% |
| 12% above US avg |
| Binge Drinking | 20.5% |
| Physical Inactivity | 22.6% |
| Depression | 24.6% |
| Mental Distress | 19.0% |
| Physical Distress | 13.1% |
| Short Sleep | 37.1% |
Healthcare Access
| Insurance Rate | 88.3% |
| Uninsured | 7.9% |
| 8% below US avg |
| Primary Care | 1:5,346 |
| Dentists | 1:2,130 |
| Mental Health | 1:1,008 |
| Checkup Rate | 75.2% |
| Dental Visits | 62.3% |
| Premature Death | 7,668/100K |
Food & Exercise
| Food Environment | 6.5/10 |
| Exercise Access | 44.3% |
| Healthcare Facilities | 50 |
Ramsey has a violent crime rate of 270 per 100,000 residents, 29% below the national average of 380. Property crime stands at 2,654 per 100,000, 35% above the U.S. average. The county recorded 4 fatal traffic crashes. Overall, Ramsey receives a safety grade of F.
Crime Rates: Ramsey vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 269.7/100K |
| 29% below US avg |
| |
Property Crime
| Total Property | 2,654.4/100K |
| 35% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 4 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Ramsey experiences four distinct seasons with an average annual temperature of 53°F (11°C). Winters average 27°F in January while summers reach 75°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 42.5 inches. The area receives 12.8 inches of snow annually. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 613 feet.
Temperature
27°F Jan (-3°C)
75°F Jul (24°C)
| Annual Average | 52.5°F |
| 3% below US avg |
| January Average | 27°F (-3°C) |
| July Average | 75°F (24°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 613 ft (187 m) |
| Area | 0.4 sq mi (1.0 km²) |
| Population Density | 899/sq mi |
| Coordinates | 39.1457°N, 89.1103°W |
| Timezone | America/Chicago |
| County | Fayette County County |
| Nearest Airport | St Louis Regional (ALN)
53 miles away |
Precipitation & Snow
Annual Rainfall
42.5"
12% above US avg
Wettest Month (May)
4.17"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 48.8 / 100 |
| Social Vulnerability | 45.5 / 100 |
| Community Resilience | 92.4 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively 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
51 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M5.2. Most recent: M3.3 on May 13, 2025.
| Apr 18, 2008 |
7 km NNE of Bellmont, Illinois |
M5.2 |
131 km |
| Apr 18, 2008 |
9 km NNE of Bellmont, Illinois |
M4.7 |
132 km |
| Apr 21, 2008 |
7 km NNE of Bellmont, Illinois |
M4.0 |
132 km |
| Sep 19, 2017 |
4 km N of Bellmont, Illinois |
M3.8 |
131 km |
| Nov 11, 1991 |
3 km W of Flat Rock, Illinois |
M3.8 |
124 km |
| Apr 25, 2008 |
8 km NNE of Bellmont, Illinois |
M3.7 |
132 km |
| Nov 20, 2012 |
7 km N of Bellmont, Illinois |
M3.6 |
130 km |
| May 30, 2015 |
4 km ENE of Geff, Illinois |
M3.4 |
100 km |
| Jun 5, 2008 |
8 km WNW of Mount Carmel, Illinois |
M3.4 |
134 km |
| Mar 2, 1990 |
9 km NW of Vernon, Illinois |
M3.4 |
33 km |
| May 1, 2008 |
8 km NNE of Bellmont, Illinois |
M3.3 |
133 km |
| May 13, 2025 |
7 km SSW of Lerna, Illinois |
M3.3 |
72 km |
| Apr 6, 1994 |
2 km NE of Tamaroa, Illinois |
M3.2 |
110 km |
| Jan 29, 1993 |
7 km WNW of Brownstown, Illinois |
M3.2 |
14 km |
| Oct 24, 1990 |
5 km ENE of Woodlawn, Illinois |
M3.2 |
90 km |
| May 2, 2003 |
10 km ENE of Thompsonville, Illinois |
M3.2 |
137 km |
| Jul 1, 2017 |
9 km SSE of Mulberry Grove, Illinois |
M3.1 |
34 km |
| May 10, 2012 |
0 km NW of Emison, Indiana |
M3.1 |
148 km |
| Jan 23, 1991 |
3 km WSW of Logan, Illinois |
M3.1 |
136 km |
| Jul 18, 2008 |
6 km NNE of Bellmont, Illinois |
M3.1 |
131 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
639 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 37 fatalities, 621 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Nov 17, 2013 |
EF4 |
86 km |
2 |
| Jun 2, 1990 |
EF4 |
76 km |
0 |
| Jun 2, 1990 |
EF4 |
85 km |
0 |
| Mar 20, 1976 |
EF4 |
78 km |
0 |
| Dec 18, 1957 |
EF4 |
96 km |
1 |
| Jun 14, 1957 |
EF4 |
84 km |
2 |
| Mar 31, 2023 |
EF3 |
95 km |
6 |
| Dec 10, 2021 |
EF3 |
93 km |
6 |
| Dec 1, 2018 |
EF3 |
39 km |
0 |
| May 31, 2013 |
EF3 |
98 km |
0 |
| Apr 19, 2011 |
EF3 |
70 km |
0 |
| Aug 19, 2009 |
EF3 |
98 km |
0 |
| Apr 21, 2002 |
EF3 |
94 km |
1 |
| Jun 1, 1999 |
EF3 |
52 km |
1 |
| Apr 19, 1996 |
EF3 |
75 km |
0 |
| May 9, 1995 |
EF3 |
97 km |
0 |
| Nov 15, 1988 |
EF3 |
97 km |
0 |
| Dec 2, 1982 |
EF3 |
86 km |
2 |
| Jul 26, 1978 |
EF3 |
93 km |
0 |
| Aug 21, 1977 |
EF3 |
51 km |
6 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
27°F (-3°C) |
2.0 in |
Coldest, Driest |
| February |
32°F (-0°C) |
2.1 in |
|
| March |
43°F (6°C) |
3.7 in |
|
| April |
54°F (12°C) |
3.9 in |
|
| May |
64°F (18°C) |
4.2 in |
Wettest |
| June |
73°F (23°C) |
4.2 in |
|
| July |
75°F (24°C) |
3.8 in |
Warmest |
| August |
75°F (24°C) |
3.0 in |
|
| September |
68°F (20°C) |
3.1 in |
|
| October |
56°F (13°C) |
2.9 in |
|
| November |
44°F (7°C) |
3.7 in |
|
| December |
33°F (0°C) |
3.2 in |
|
Ramsey has a seasonal temperature swing of 48°F / from 27°F in January to 75°F in July. Total annual precipitation is 39.6 inches, with May being the wettest month (4.2") and January the driest (2.0").
Average costs for common services in Ramsey. 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 | $665 |
| Toddler | $647 |
| Preschool | $541 |
| Family Childcare (monthly) |
| Infant | $676 |
| Toddler | $686 |
| Preschool | $628 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Ramsey
What is the population of Ramsey?
Ramsey has a population of 998 residents and is located in Illinois. The population density is 899 people per square mile, spread across 0.4 square miles. The median age of residents is 38.8 years. The population is 53.8% female and 46.2% male.
Is Ramsey expensive to live in?
Ramsey has a cost of living roughly in line with the national average, with an index of 100 (baseline: 100). The median household income is $50,664, 33% below the national average of $75,149. The median home value is $58,000 (79% below the U.S. median). Renters pay a median of $742 per month, below the national average of $1,163. The home price-to-income ratio is 1.1x, indicating housing is reasonably affordable relative to local income levels.
Is Ramsey safe?
Ramsey is safer than the national average, with a violent crime rate of 270 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 2,654 per 100,000 (above the national average). Overall, Ramsey receives a safety grade of F based on combined crime data.
What is the weather like in Ramsey?
Ramsey has a four-season climate with an average annual temperature of 53°F (11°C). Winter temperatures average 27°F in January, while summers reach an average of 75°F in July. The area receives 293 sunny days per year, well above the national average of 205. Annual rainfall totals 42.5 inches, with 12.8 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Ramsey?
The job market in Ramsey is very strong, with unemployment at just 1.4% / well below the national rate of 3.6%. The average weekly wage is $869. There are 460 business establishments in the area, including 43 restaurants and food service locations. The average commute time is 38 minutes, and 0.9% of workers work from home.
How much does housing cost in Ramsey?
The median home value in Ramsey is $58,000. Zillow estimates the typical home value at $140,279. For renters, the median monthly rent is $742. Fair market rent is $854 for a 1-bedroom and $1,063 for a 2-bedroom apartment. The homeownership rate is 81.8%. The average annual property tax is $3,672.
How are the schools in Ramsey?
Schools in Ramsey have an average test score of 4.8 out of 10, below typical national benchmarks. Families may want to research individual school ratings. 8.0% of adults in Ramsey hold a bachelor's degree or higher, below the national average of 33.7%. 69.0% have completed high school. 3.3% hold a graduate or professional degree.
How healthy is Ramsey?
The obesity rate in Ramsey is 37.8% (above the national rate of 32.1%). 15.7% of adults are smokers. 22.6% are physically inactive. 24.6% of residents report depression. 7.9% lack health insurance. 44.3% of residents have access to exercise opportunities. The primary care physician ratio is 1:5,346.
What is transportation like in Ramsey?
The average commute in Ramsey is 38 minutes, longer than the national average of 28 minutes. 86.3% of workers drive alone to work, and 0.9% work from home.
What are the demographics of Ramsey?
The racial and ethnic makeup of Ramsey is 92.9% White, 2.1% Black or African American, 1.4% Hispanic or Latino. 99.8% of residents speak only English at home. 2.7% of the population are military veterans. 22.7% of residents have a disability. 88.3% have health insurance coverage.
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