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Rockford city, IL

ZIP 61101 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 61101

Median Home Value
$89,800
Median Rent
$722
Affordability Snapshot
$25,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$577/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

10.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 61101 in Rockford city, IL, a household would need roughly $25,000 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 $577. That sits below the local median household income ($45,260), 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.

Housing Tenure

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
50.6%-23% vs US avg
x
Vacancy Rate
11.5%+12% vs US avg
x
Broadband Access
81.1%-7% vs US avg
x
4+ Bedrooms
2.1%-85% vs US avg
x
Built Pre-1939
11.2%-13% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
33.5%-33% vs US avg
x
Mortgage-Free
48.5%+27% vs US avg
x
$89,800
Home Value
$722
Rent
1960
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached70.0%
  • 1-unit attached4.4%
  • 2-9 units16.0%
  • 10+ units9.4%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$89,800
Median rent$722
Owner-occupied50.6%
Vacant11.5%
Price-to-income2.0x
Est. income to buy$25,000