Neighborhood
The Communities of Mercy Creek
Normal, Illinois US
The Communities of Mercy Creek in Normal, Illinois is a yield-focused market with gross yield of 6.1 and prices in line with Normal while about 12% below Illinois. Over the past year, prices were down 0.6%. The Red Flag score of 79 points to elevated overall risk, while education is in the 78th percentile. This mix pairs above-average income potential with weaker recent price momentum and a high risk reading.
AI Summary•Updated May 2026
Area
0.01 mi²
ZIP Code
61761
County
McLean County
State
Illinois
Redfin — median sale & volumeZillow ZORI — asking rentFEMA National Risk Index v1.20FBI UCR — state crimeEPA — radon zonesWashU ACAG — satellite PM2.5US Census ACS / TIGER 2024
Verified Price · Median Sale
$278,417
YoY-0.6%
Gross Rental Yield
6.0%
Listed rent · ZORI annualized
Red Flag Index
High
79 / 100
Walkability Score
—
OpenStreetMap POI density · national percentile
Education Score
78 / 100
Pre-pandemic SEDA (2018/19) · district proxy
AI Score
48
DistrictScore attractiveness · national model
The Communities of Mercy Creek Property Prices & Rental Yield
Verified Redfin sale data and Zillow ZORI asking rent for The Communities of Mercy Creek, Normal.
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Sign in to view — freeMarket Economics Snapshot
May 2026| Metric | Value | YoY |
|---|---|---|
| Median Sale Price | $278,417 | -0.6% |
| Price / Sq Ft (Verified) | $125/sqft | +7.2% |
| Asking Rent (Median) | $1,404/mo | -6.4% |
| Gross Rental Yield | 6.0% | — |
| Liquidity Score | 40 / 100 | Moderate |
| Homes Sold (Period) | 156 | -11.9% |
Is The Communities of Mercy Creek Safe? Natural-Hazard Risk
FEMA National Risk Index composite across eight hazards, plus inherited Illinois crime context.
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Sign in to view — free What Stands Out AI Insight
Above-average gross rental yield at 6.0%
Active transaction volume — 156 homes sold last period
Flood risk is Very High (100/100)
Tornado risk is Very High (100/100)
Insights are generated from The Communities of Mercy Creek's live DistrictScore metrics.
The Communities of Mercy Creek Environment & Safety
Satellite PM2.5 air-quality history, FBI UCR crime trend (Illinois-level, the finest official aggregation), EPA radon potential and point-source hazard screening.
Air Quality — PM2.5
2015–20246.9 µg/m³ Meets EPA, above WHO guideline-13.5% since 2015
EPA 9WHO 5
20152024
Annual mean fine-particle (PM2.5) concentration at the The Communities of Mercy Creek centroid, satellite-derived (ACAG). References: WHO guideline 5 µg/m³ · EPA annual standard 9 µg/m³. Latest year ranks worse than 78% of U.S. neighborhoods.
Illinois Crime Trend
FBI UCR20132024
All crimes / 1k
Violent / 1k
| Year | Crimes / 1k | Violent / 1k | YoY |
|---|---|---|---|
| 2024 | 20.0 | 2.9 | +0.0% |
| 2023 | 20.1 | 3.1 | +2.1% |
| 2022 | 19.8 | 2.9 | +13.2% |
| 2021 | 17.4 | 3.5 | -11.8% |
| 2020 | 19.9 | 4.3 | -13.1% |
| 2019 | 22.7 | 4.2 | — |
Reported at the state level — the finest official US crime aggregation; The Communities of Mercy Creek inherits the Illinois figures.
Radon Potential
EPAZone 1
Zone 1 — Highest potential · The Communities of Mercy Creek
EPA radon zones estimate indoor radon potential county-wide (Zone 1 highest, Zone 3 lowest). Testing is recommended in all zones.
The Communities of Mercy Creek vs Normal vs Illinois
How The Communities of Mercy Creek benchmarks against its city and state medians.
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Sign in to view — freeBuying Property in the US as a Foreigner
Federal & Illinois tax facts for non-resident buyers, plus the latest local market news.
Buying as a Foreigner
US Tax & OwnershipApplies to everyone7
Capital Gains (Federal)
Long-term capital gains taxed federally at 0/15/20%, plus a 3.8% Net Investment Income Tax on higher incomes (2026).
Property Tax
Property tax: ~1.79% average effective rate (statewide average; set and collected locally).
State Income Tax
State income tax up to 4.95%; rental income is taxed at these rates.
State Capital Gains
Capital gains are taxed as ordinary income at state rates.
Transfer Tax
Real estate transfer tax: $0.50 per $500 state + local.
Assessment Cap
No Proposition 13-style assessment cap; property is reassessed at market value.
Mansion Tax / Rent Control
No statewide mansion tax or statewide rent control.
US citizens & tax residents7
Primary-Home Exclusion
Selling your main home: exclude up to $250k of gain (single) / $500k (married) if you owned and lived there 2 of the last 5 years.
1031 Like-Kind Exchange
A 1031 like-kind exchange defers capital gains tax on investment property; 45 days to identify, 180 to close. Real estate only.
Depreciation Recapture
Residential rentals depreciate over 27.5 years; on sale, recaptured depreciation is taxed up to 25% (Section 1250).
Mortgage Interest Deduction
Mortgage interest is deductible on up to $750k of home debt. The SALT cap rose to $40,000 for 2025-2029 (reverts to $10k in 2030).
Opportunity Zones
Opportunity Zones are now permanent (2025): reinvested capital gains get deferral plus a basis step-up, and are tax-free after 10 years.
Rental Income (Resident)
Rental income is reported on Schedule E; passive-loss rules (Section 469) limit deducting rental losses against other income.
1031 State Conformity
The state conforms to the federal 1031 like-kind exchange rules.
Foreign buyers (non-residents)5
FIRPTA (Foreign Sellers)
FIRPTA: the buyer withholds 15% of the gross sale price when a nonresident sells US property. It is an advance deposit, not the final tax.
Non-Resident Capital Gains
Nonresident sellers pay US capital gains tax (generally 15-20%) on the net gain via Form 1040-NR; FIRPTA withholding is credited.
Non-Resident Rental Tax
Nonresident rental income is taxed at 30% of gross by default, or on net income at graduated rates via a Section 871(d) election (W-8ECI).
Estate Tax (Non-Resident)
Nonresidents get only a $60,000 US estate-tax exemption (vs $13.99M for residents); US property above it is taxed up to 40%. Treaties may help.
ITIN Requirement
Nonresidents without an SSN need an ITIN (Form W-7) to file US tax returns, claim FIRPTA refunds, and report rental income.
Talk to a US real-estate tax advisor
FIRPTA, ITIN & Illinois property-tax guidance for foreign buyers
The Communities of Mercy Creek Real Estate FAQ
The Communities of Mercy Creek in Normal, Illinois shows a gross yield of 6.1 and prices in line with Normal while about 12% below Illinois. Over the past year, prices were down 0.6%, and the Red Flag score is 79, so the profile combines stronger yield with elevated risk.
Neighborhoods near The Communities of Mercy Creek
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