39 Ridge Rd, Centralia, IL 62801

3 bd · 2 ba · 1,158 sqft · built 1963 · Centralia · SINGLE_FAMILY·source listing ↗

$129,900

rent, three ways

OnePercent model (vv1)$1,627/mo

p10–p90 confidence band

HUD Fair Market Rent · 62801 · 3BR$1,270/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Marion

Flood risk indexRelatively High FEMA NRI

Median household income$52,017

Median area rent$795/mo

Median home value$94,800

the verdict

1.25%vs 1.0% target

wide confidence band

financing: 20% down · — (FRED, live) · 30yr

$129,900

1.25% · rent $1,627

Intrinsic value · income approach

$166,909

22% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.