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Rockford city, IL

ZIP 61108 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 61108

Median Home Value
$128,300
Median Rent
$823
Affordability Snapshot
$35,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$824/mo PITI).

16%
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.

13.0 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 61108 in Rockford city, IL, a household would need roughly $35,000 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 $824. That sits below the local median household income ($63,046), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
65.7%+1% vs US avg
x
Vacancy Rate
6.3%-39% vs US avg
x
Broadband Access
87.8%+1% vs US avg
x
4+ Bedrooms
2.6%-82% vs US avg
x
Built Pre-1939
5.3%-59% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
24.0%-52% vs US avg
x
Mortgage-Free
41.9%+10% vs US avg
x
$128,300
Home Value
$823
Rent
1968
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached70.5%
  • 1-unit attached5.4%
  • 2-9 units15.5%
  • 10+ units7.9%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$128,300
Median rent$823
Owner-occupied65.7%
Vacant6.3%
Price-to-income2.0x
Est. income to buy$35,000