ZIP Code 61104 — Rockford city, IL Demographics & Data

ZIP code 61104 covers Rockford, IL in Winnebago County with a population of about 17,584.

At a glance, the area shows median age of 34.6 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 61104 is about $32,161 — about 57% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 39.4%; unemployment rate near 12.9%; 9.1% of adults with a bachelor’s degree or higher (about 24.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Retail trade, and Healthcare; about 4.7% of workers reporting work-from-home (about 10.5 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $83,700 — about 76% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $623 (about 46% below the U.S. median rent ($1,163)), and owner-occupancy near 37.0% (about 28.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 61104 in Rockford, IL, a household would need roughly $23,000 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 $538. That sits below the local median household income ($32,161), 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 Rockford city, IL as Relatively Moderate (composite score 92.4), which is among the highest nationally. The strongest component scores on US5 are flood (94.4) and wildfire (32.7). 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 Rockford city, IL show little to no average snow and around 37.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 979 for ZIP 61104 (Rockford city, 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.