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Prophetstown city, IL

ZIP 61277 — 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 61277

Median Home Value
$134,000
Median Rent
$520
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$861/mo PITI).

9%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.5 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 61277 in Prophetstown city, IL, a household would need roughly $37,000 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 $861. That sits below the local median household income ($72,837), 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 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.6%+19% vs US avg
x
Vacancy Rate
16.9%+64% vs US avg
x
Broadband Access
84.7%-3% vs US avg
x
4+ Bedrooms
9.3%-37% vs US avg
x
Built Pre-1939
10.5%-18% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
8.5%-83% vs US avg
x
Mortgage-Free
44.3%+16% vs US avg
x
$134,000
Home Value
$520
Rent
1954
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached88.2%
  • 1-unit attached1.2%
  • 2-9 units8.8%
  • 10+ units1.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$134,000
Median rent$520
Owner-occupied77.6%
Vacant16.9%
Price-to-income1.8x
Est. income to buy$37,000