ZIP Code 61044 — undefined, IL Demographics & Data

ZIP code 61044 covers IL in Stephenson County with a population of about 276.

At a glance, the area shows median age of 36.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 779, 815; U.S. House district IL-17; the ROCKFORD media market.

Median household income in ZIP 61044 is about $56,307 — about 25% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.7%; unemployment rate near 0.0%; 57.8% of adults with a bachelor’s degree or higher (about 24.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Education, and Professional services; about 16.1% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 94.0 minutes (U.S. average near 26.8).

Median home value is about $146,800 — about 58% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 61044 in IL, a household would need roughly $40,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $943. That sits below the local median household income ($56,307), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for IL as Relatively Low (composite score 73.9), which is elevated versus much of the country. The strongest component scores on US5 are flood (77.9) and wildfire (27.0). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for IL show little to no average snow and around 38.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 15 for ZIP 61044 (IL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.