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Towns / Illinois

Waverly, Illinois

Waverly is a small town of about 1,100 people in Morgan County, Illinois. It has lost about 4% of its people since 2020. A typical home costs about 1.8 years of the typical household's income, compared with 4.1 across the U.S. The nearest metro area of about a million people or more, St. Louis, is about 68 miles away as the crow flies.

Population
1,142
down 3.8% since 2020
Typical home, 2020-24
$98,400
Morgan County prices up 25% since 2022
Household income
$55,671
U.S.: $80,734
Prices, rural Illinois
87.4
U.S. average = 100
Emergency room
19 miles
Jacksonville, IL
To St. Louis
68 mi
straight line

The book's checklist

  • Lower cost of livingEveryday prices run 12.6% below the U.S. average in the parts of Illinois outside metro areas.
  • More house for the moneyA typical home costs 1.8 years of the typical household's income here. Across the U.S. it's 4.1.
  • A safer neighborhoodThe FBI has no 2025 figures for Waverly itself. Many small towns are patrolled by the county sheriff, so call the sheriff's office and ask what calls they get most.
  • Schools in town2 public schools: 1 elementary and 1 high school.
  • A hospital close byJacksonville Memorial Hospital in Jacksonville, about 19 miles away, has the nearest emergency room.
  • Within reach of a big citySt. Louis is about 68 miles away as the crow flies. The book suggests staying within about 60 miles if you'll miss big-city sports, concerts and theater.

A check means Waverly meets the rule of thumb from Frank and Dave's book. An empty box isn't a deal breaker: it's something to weigh for your family. A question mark means there isn't enough data.

For a lifetime

Homes and money

Typical home value, as owners valued them in 2020-2024
$98,400U.S.: $332,700
Home prices since then
Up 25%Morgan County, 2022 to 2025
Typical rent, with utilities
$772 a monthU.S.: $1,413
Typical household income
$55,671U.S.: $80,734
Homes owned by the people living in them
82%U.S.: 65%
Typical property tax bill
$1,705 a yearIllinois: $5,298
Homes built since 2010
1%U.S.: 11%
Vacation and seasonal homes
3%U.S.: 3%
Everyday prices
87.4U.S. average = 100 (the parts of Illinois outside metro areas)

Home values and rents are what households told the Census Bureau across 2020 to 2024, so they trail today's market: county prices have moved up 25% since 2022. Everyday prices are the government's average for the parts of Illinois outside metro areas, not Waverly alone. Check current listings before you budget.

Sources: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates; Federal Housing Finance Agency, House Price Index for counties (all transactions); U.S. Bureau of Economic Analysis, Regional Price Parities, 2024.

The people

Population, 2025 estimate
1,1422020: 1,187
Median age
41.7 yearsU.S.: 38.9
Age 65 and older
20%U.S.: 17%
Under 18
26%U.S.: 22%
Adults with a bachelor's degree or more
18%U.S.: 36%
Moved here from another county or state in the past year
2%U.S.: 6%

Sources: U.S. Census Bureau, Population Estimates (Vintage 2025); U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates.

Work

Biggest lines of work
Finance, insurance and real estate (11%)
Unemployment rate
5%U.S.: 5%
Average commute
23 minutesU.S.: 26 minutes
Work from home
7%U.S.: 15%
Below the poverty line
8%U.S.: 12%

Sources: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates.

Health care

Nearest emergency room: Jacksonville Memorial Hospital, Jacksonville, IL, about 19 miles away. It's a critical access hospital (a small rural hospital with 25 or fewer beds). Medicare hasn't given it a star rating.

Nearest general hospital: Memorial Medical Center, Springfield, IL, about 22 miles away. Medicare gives it 3 of 5 stars.

Look up doctors, clinics and the hospitals themselves on Medicare's Care Compare. Ask where the most serious cases are sent.

Sources: Centers for Medicare & Medicaid Services, Hospital General Information.

Schools

2 public schools in Waverly, run by Waverly CUSD 6.

See each school on the federal school search, then check test scores and graduation rates on Illinois's school report card.

Sources: National Center for Education Statistics, Common Core of Data, 2023-24 (via the Urban Institute Education Data Portal); National Center for Education Statistics, IPEDS institution directory, 2024.

Internet

Homes with any internet subscription
88%U.S.: 91%

Before you buy, look up the address on the FCC's National Broadband Map to see which providers serve it.

Sources: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates.

Weather

January average low
21°F
July average high
87°F
Days 90°F or hotter
25 a year
Nights at or below freezing
101 a year
Rain and melted snow
38.4 inches a year
Snow
16 inches a year
Elevation
686 feet

Weather station: Virden (11 miles away). Averages for 1991 to 2020.

Sources: NOAA National Centers for Environmental Information, U.S. Climate Normals 1991-2020; U.S. Geological Survey, 3D Elevation Program.

Getting around

Straight-line miles. The road is always longer, and as the book says, an interstate at 70 is a different trip from a farm road at 45. Check the real drive: Jacksonville Memorial Hospital, Springfield, St. Louis.

Morgan County is outside any metro area, with 20,000 or more people in its towns, next to a metro area (USDA rural-urban code 4, on a scale where 1 is the biggest metro areas and 9 the most rural counties).

For a day

National Park Service sites within about an hour:

  • Lincoln Home National Historic Site22 miles
  • Springfield 1908 Race Riot National Monument22 miles
  • New Philadelphia National Historic Site54 miles

Read about Waverly's history on Wikipedia.

Know Waverly?

Tell us what a visitor shouldn't miss, and what living there is really like. Write to Main Street at mainstreet@smalltownguide.com. The best notes from people who know the town will be added here.

Nearby

Straight-line miles.

Small towns

Smaller places

  • Franklin, IL587 people, 5 miles
  • Loami, IL790 people, 8 miles
  • Modesto, IL179 people, 8 miles
  • Alexander, IL (unincorporated)239 people, 10 miles
  • Thayer, IL615 people, 11 miles
  • Palmyra, IL591 people, 11 miles
  • Berlin, IL144 people, 12 miles
  • Curran, IL209 people, 14 miles

Sources

  1. U.S. Census Bureau, Population Estimates (Vintage 2025)
  2. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates
  3. Federal Housing Finance Agency, House Price Index for counties (all transactions)
  4. U.S. Bureau of Economic Analysis, Regional Price Parities, 2024
  5. FBI, Crime in the United States, Table 8 (offenses known to law enforcement by city)
  6. Centers for Medicare & Medicaid Services, Hospital General Information
  7. National Center for Education Statistics, Common Core of Data, 2023-24 (via the Urban Institute Education Data Portal)
  8. National Center for Education Statistics, IPEDS institution directory, 2024
  9. NOAA National Centers for Environmental Information, U.S. Climate Normals 1991-2020
  10. U.S. Geological Survey, 3D Elevation Program
  11. National Park Service, National Register of Historic Places listings
  12. National Park Service, park unit boundaries
  13. USDA Economic Research Service, Rural-Urban Continuum Codes, 2023
  14. U.S. Census Bureau, 2025 Gazetteer files and 2020 urban areas

Census survey figures are estimates with a margin of error; we leave out any figure whose margin is too wide to be useful. Data last gathered October 5, 2026. See something wrong? Write to mainstreet@smalltownguide.com.