Median Income
$76,056
1% higher than US avg
Home Value
$102,200
64% lower than US avg
Violent Crime
350/100K
8% lower than US avg
Bachelor's+
3.5%
90% lower than US avg
Obesity Rate
40.6%
26% higher than US avg
Unemployment
1.8%
50% lower than US avg
Poverty Rate
1.4%
89% lower than US avg
How Stoy Compares to the U.S. Average (100% = U.S. avg)
People
Population201
Median Age40.1 yrs
Density216/mi²
Male / Female75% / 25%
Largest GroupWhite 49%
Veterans4.9%
Economy
A+
Median Income$76,056
Per Capita$24,016
Unemployment1.8%
Poverty1.4%
County GDP$661M
Commute9 min
Housing
A+
Home Value$102,200
Ownership47.7%
Zillow$123,908
Housing Units61
Rent Burden25.7%
Crime
F
Violent350/100K
Property1,889/100K
Health
Obesity40.6%
Uninsured8.0%
Smoking17.1%
Depression25.1%
Heart Disease6.1%
Climate
Avg Temp55°F (13°C)
AQI43 (Good)
Rain46.6 in/yr
Sunny Days293/yr
Elevation467 ft (142 m)
Education
F
Bachelor's+3.5%
High School+80.9%
Graduate+1.3%
School Score5.30
Community
2024 VoteR 77% / D 21%
Commute9 min
Broadband86.0%
EV Stations1
Libraries1
Is Stoy a Good Place to Live?
Based on current data, Stoy receives an overall livability score of 2.9 out of 5.0, earning a grade of C+. Key strengths include low unemployment, affordable housing, abundant sunshine, a low poverty rate. Areas to be aware of include high obesity rates. Stoy has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Stoy is $76,056, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 1.8%. Only 1.4% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 9 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Stoy is $102,200, 64% below the national median / offering relatively affordable homeownership. At just 1.3x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Stoy is below the national average at 350 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 1,889 per 100,000, near the national average.
Education
3.5% of residents hold a bachelor's degree, below the national average of 33.7%. 80.9% have completed high school. Area schools have an average test score of 5.3/10.
Climate & Weather
Stoy experiences four distinct seasons with an average temperature of 55°F. Winters average 30°F in January while summers reach 77°F in July. With 293 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 46.6 inches, including 15.5 inches of snow. Air quality is rated Good with a median AQI of 43.
Stoy has a population of 201 with a density of 216 people per square mile, spread across 0.4 square miles. The median age is 40.1 years, 3% older than the national median of 38.9. The gender split is 25.4% female and 74.6% male. The city is predominantly White (49.3%), with 48.8% Hispanic, 2% Black. English is the primary language spoken at home by 100% of residents. 4.9% of the population are veterans. 17.9% of residents have a disability (above the 13.0% national average). 98.1% have health insurance coverage.
Population
40.1yrs
Median Age
3% 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 Stoy is $76,056, which is 1% above the national average of $75,149. Per capita income is $24,016 (below the $39,052 national figure). The average weekly wage is $984, 31% lower than the U.S. average. The unemployment rate is 1.8% (below the 3.6% US average). 1.4% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 258 business establishments, including 21 restaurants. The cost of living index is 100, roughly in line with the national average. Workers commute an average of 9 minutes (shorter than the 28-minute US average). 1.0% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $76,056 |
| 1% above US avg |
| Per Capita Income | $24,016 |
| Avg Weekly Wage | $984 |
| IRS Avg AGI | $59,417 |
| Gini Index | 0.460 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.8% |
| 50% below US avg |
| Poverty Rate | 1.4% |
| 89% below US avg |
| Establishments (County) | 258 |
| County GDP | $661M |
Business (County)
| Restaurants | 21 |
| Healthcare | 19 |
| Retail | 33 |
| Manufacturing | 8 |
Tax & Cost of Living
| Property Tax (IRS) | $2,543 |
| 27% below US avg |
| Cost of Living | 100.00 (100=avg) |
| Effective Tax Rate | 2.49% |
Commute & Transportation
| Commute Time | 8.8 min |
| Drive Alone | 97.9% |
| Public Transit | 0.0% |
| Work from Home | 1.0% |
The median home value in Stoy is $102,200, 64% below the national median of $281,900. Zillow estimates the typical home value at $123,908, higher than the Census estimate. Fair market rent ranges from $854 for a one-bedroom to $1,063 for a two-bedroom apartment. 47.7% of housing units are owner-occupied (below the 65.4% national rate). There are 61 total housing units in the city. The median year a home was built is 1982. The average annual property tax is $2,543 (lower than the $3,500 national average). 25.7% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.3x, well within the affordable range.
Home Values
| Census Median | $102,200 |
| 64% below US avg |
| Zillow ZHVI | $123,908 |
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 | 47.7% |
| Owner-Occupied | 47.7% |
| Renter-Occupied | 52.3% |
| Housing Units | 61 |
| Median Year Built | 1982 |
Property Tax
| Avg Tax (IRS) | $2,543 |
| 27% below US avg |
| Effective Rate | 2.49% |
In Stoy, 40.6% of adults are obese, above the national rate of 32.1%. 10.2% have diabetes. Heart disease affects 6.1% of residents. 33.1% have high blood pressure. 17.1% are current smokers (above the 14.0% national rate). 20.5% report binge drinking. 23.4% are physically inactive. 25.1% report depression (above the 20.0% national average). 19.7% experience frequent mental distress. 8.0% of residents lack health insurance. The primary care physician ratio is 1:5,051. The dentist ratio is 1:14,914. 52.3% of residents have access to exercise opportunities. The food environment index is 7.5 out of 10.
Health Metrics: Stoy vs U.S. Average (%)
Chronic Conditions
| Obesity | 40.6% |
| 26% above US avg |
| Diabetes | 10.2% |
| Heart Disease | 6.1% |
| High Blood Pressure | 33.1% |
| Asthma | 10.9% |
| COPD | 7.7% |
| Cancer | 7.5% |
| Stroke | 3.2% |
Behaviors & Mental Health
| Smoking | 17.1% |
| 22% above US avg |
| Binge Drinking | 20.5% |
| Physical Inactivity | 23.4% |
| Depression | 25.1% |
| Mental Distress | 19.7% |
| Physical Distress | 13.8% |
| Short Sleep | 36.6% |
Healthcare Access
| Insurance Rate | 98.1% |
| Uninsured | 8.0% |
| 7% below US avg |
| Primary Care | 1:5,051 |
| Dentists | 1:14,914 |
| Mental Health | 1:168 |
| Checkup Rate | 75.2% |
| Dental Visits | 59.4% |
| Premature Death | 9,521/100K |
Food & Exercise
| Food Environment | 7.5/10 |
| Exercise Access | 52.3% |
| Healthcare Facilities | 19 |
Stoy has a violent crime rate of 350 per 100,000 residents, 8% below the national average of 380. Property crime stands at 1,889 per 100,000, 4% below the U.S. average. The county recorded 2 fatal traffic crashes. Overall, Stoy receives a safety grade of F.
Crime Rates: Stoy vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 349.9/100K |
| 8% below US avg |
| |
Property Crime
| Total Property | 1,889.4/100K |
| 4% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 2 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Stoy experiences four distinct seasons with an average annual temperature of 55°F (13°C). Winters average 30°F in January while summers reach 77°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 46.6 inches (wetter than the 38-inch national average). The area receives 15.5 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 467 feet.
Temperature
30°F Jan (-1°C)
77°F Jul (25°C)
| Annual Average | 54.9°F |
| 2% above US avg |
| January Average | 30°F (-1°C) |
| July Average | 77°F (25°C) |
| Sunny Days | 293 days/yr |
Geography
| Elevation | 467 ft (142 m) |
| Area | 0.4 sq mi (0.9 km²) |
| Population Density | 216/sq mi |
| Coordinates | 38.9968°N, 87.8336°W |
| Timezone | America/Chicago |
| County | Lawrence County County |
| Nearest Airport | Lawrenceville-Vincennes International (LWV)
20 miles away |
Precipitation & Snow
Annual Rainfall
46.6"
23% above US avg
Wettest Month (May)
4.41"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 49.2 / 100 |
| Social Vulnerability | 57.4 / 100 |
| Community Resilience | 47.3 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
58 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M5.2. Most recent: M2.6 on Aug 9, 2025.
| Apr 18, 2008 |
7 km NNE of Bellmont, Illinois |
M5.2 |
61 km |
| Apr 18, 2008 |
9 km NNE of Bellmont, Illinois |
M4.7 |
60 km |
| Jun 18, 2002 |
6 km SW of Parkers Settlement, Indiana |
M4.6 |
111 km |
| Apr 21, 2008 |
7 km NNE of Bellmont, Illinois |
M4.0 |
61 km |
| Dec 7, 2000 |
7 km W of Evansville, Indiana |
M3.9 |
115 km |
| Jun 17, 2021 |
Illinois-Indiana border region |
M3.8 |
104 km |
| Nov 11, 1991 |
3 km W of Flat Rock, Illinois |
M3.8 |
15 km |
| Sep 19, 2017 |
4 km N of Bellmont, Illinois |
M3.8 |
64 km |
| Dec 20, 1990 |
5 km S of Stilesville, Indiana |
M3.7 |
123 km |
| Apr 25, 2008 |
8 km NNE of Bellmont, Illinois |
M3.7 |
61 km |
| Jan 2, 2006 |
3 km NNE of Eldorado, Illinois |
M3.6 |
138 km |
| Nov 20, 2012 |
7 km N of Bellmont, Illinois |
M3.6 |
61 km |
| Apr 14, 2000 |
4 km NW of Heritage Lake, Indiana |
M3.6 |
126 km |
| May 30, 2015 |
4 km ENE of Geff, Illinois |
M3.4 |
75 km |
| Jun 5, 2008 |
8 km WNW of Mount Carmel, Illinois |
M3.4 |
60 km |
| Mar 2, 1990 |
9 km NW of Vernon, Illinois |
M3.4 |
117 km |
| May 1, 2008 |
8 km NNE of Bellmont, Illinois |
M3.3 |
61 km |
| May 13, 2025 |
7 km SSW of Lerna, Illinois |
M3.3 |
59 km |
| Dec 17, 1990 |
Illinois-Indiana border region |
M3.2 |
137 km |
| Jan 29, 1993 |
7 km WNW of Brownstown, Illinois |
M3.2 |
103 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
449 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 25 fatalities, 445 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 2, 1990 |
EF4 |
100 km |
1 |
| Jun 2, 1990 |
EF4 |
73 km |
0 |
| Jun 2, 1990 |
EF4 |
38 km |
0 |
| Jun 2, 1990 |
EF4 |
66 km |
6 |
| Jan 7, 1989 |
EF4 |
58 km |
0 |
| Mar 31, 2023 |
EF3 |
22 km |
6 |
| Feb 28, 2017 |
EF3 |
99 km |
1 |
| Nov 15, 2005 |
EF3 |
70 km |
0 |
| Jun 2, 1990 |
EF3 |
78 km |
0 |
| Apr 3, 1989 |
EF3 |
85 km |
0 |
| Aug 21, 1977 |
EF3 |
85 km |
6 |
| Aug 10, 1974 |
EF3 |
44 km |
0 |
| Aug 10, 1974 |
EF3 |
68 km |
0 |
| Apr 1, 1974 |
EF3 |
32 km |
0 |
| Apr 29, 1963 |
EF3 |
85 km |
0 |
| Apr 29, 1963 |
EF3 |
32 km |
0 |
| Apr 22, 1963 |
EF3 |
97 km |
0 |
| Mar 6, 1961 |
EF3 |
61 km |
0 |
| Jun 22, 1960 |
EF3 |
72 km |
0 |
| Feb 10, 1959 |
EF3 |
47 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
30°F (-1°C) |
2.4 in |
Coldest, Driest |
| February |
33°F (0°C) |
2.4 in |
|
| March |
44°F (6°C) |
3.9 in |
|
| April |
54°F (12°C) |
4.1 in |
|
| May |
64°F (18°C) |
4.4 in |
Wettest |
| June |
73°F (23°C) |
3.9 in |
|
| July |
77°F (25°C) |
4.2 in |
Warmest |
| August |
75°F (24°C) |
3.6 in |
|
| September |
68°F (20°C) |
3.2 in |
|
| October |
56°F (14°C) |
2.9 in |
|
| November |
44°F (7°C) |
3.9 in |
|
| December |
34°F (1°C) |
3.4 in |
|
Stoy has a seasonal temperature swing of 47°F / from 30°F in January to 77°F in July. Total annual precipitation is 42.3 inches, with May being the wettest month (4.4") and January the driest (2.4").
Average costs for common services in Stoy. 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 Stoy
What is the population of Stoy?
Stoy has a population of 201 residents and is located in Illinois. The population density is 216 people per square mile, spread across 0.4 square miles. The median age of residents is 40.1 years. The population is 25.4% female and 74.6% male.
Is Stoy expensive to live in?
Stoy has a cost of living roughly in line with the national average, with an index of 100 (baseline: 100). The median household income is $76,056, 1% above the national average of $75,149. The median home value is $102,200 (64% below the U.S. median). The home price-to-income ratio is 1.3x, indicating housing is reasonably affordable relative to local income levels.
Is Stoy safe?
Stoy is safer than the national average, with a violent crime rate of 350 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 1,889 per 100,000 (below the national average). Overall, Stoy receives a safety grade of F based on combined crime data.
What is the weather like in Stoy?
Stoy has a four-season climate with an average annual temperature of 55°F (13°C). Winter temperatures average 30°F in January, while summers reach an average of 77°F in July. The area receives 293 sunny days per year, well above the national average of 205. Annual rainfall totals 46.6 inches, with 15.5 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Stoy?
The job market in Stoy is very strong, with unemployment at just 1.8% / well below the national rate of 3.6%. The average weekly wage is $984. There are 258 business establishments in the area, including 21 restaurants and food service locations. The average commute time is 9 minutes, and 1.0% of workers work from home.
How much does housing cost in Stoy?
The median home value in Stoy is $102,200. Zillow estimates the typical home value at $123,908. The homeownership rate is 47.7%. The average annual property tax is $2,543.
How are the schools in Stoy?
Schools in Stoy score 5.3 out of 10 on standardized testing, near the national average. 3.5% of adults in Stoy hold a bachelor's degree or higher, below the national average of 33.7%. 80.9% have completed high school. 1.3% hold a graduate or professional degree.
How healthy is Stoy?
The obesity rate in Stoy is 40.6% (above the national rate of 32.1%). 17.1% of adults are smokers. 23.4% are physically inactive. 25.1% of residents report depression. 8.0% lack health insurance. 52.3% of residents have access to exercise opportunities. The primary care physician ratio is 1:5,051.
What is transportation like in Stoy?
The average commute in Stoy is 9 minutes, shorter than the national average of 28 minutes. 97.9% of workers drive alone to work, and 1.0% work from home.
What are the demographics of Stoy?
The racial and ethnic makeup of Stoy is 49.3% White, 2% Black or African American, 48.8% Hispanic or Latino. 100% of residents speak only English at home. 4.9% of the population are military veterans. 17.9% of residents have a disability. 98.1% have health insurance coverage.
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