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South Beloit city, IL

ZIP 61080 — 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 61080

Median Home Value
$172,300
Median Rent
$681
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,107/mo PITI).

10%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.1 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 61080 in South Beloit city, IL, a household would need roughly $47,000 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 $1,107. That sits below the local median household income ($78,533), 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
72.0%+10% vs US avg
x
Vacancy Rate
4.4%-57% vs US avg
x
Broadband Access
92.4%+6% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
15.0%-70% vs US avg
x
Mortgage-Free
46.7%+22% vs US avg
x
$172,300
Home Value
$681
Rent
1981
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 detached76.0%
  • 1-unit attached5.6%
  • 2-9 units9.7%
  • 10+ units3.7%
  • Mobile home & other5.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$172,300
Median rent$681
Owner-occupied72.0%
Vacant4.4%
Price-to-income2.2x
Est. income to buy$47,000