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Rockford city, IL

ZIP 61109 — 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 61109

Median Home Value
$124,900
Median Rent
$753
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$802/mo PITI).

15%
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.

13.8 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 61109 in Rockford city, IL, a household would need roughly $34,000 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 $802. That sits below the local median household income ($61,702), 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
62.5%-4% vs US avg
x
Vacancy Rate
6.8%-34% vs US avg
x
Broadband Access
90.8%+4% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
6.6%-48% vs US avg
x
Built Post-2014
0.0%-100% vs US avg
x
Rent Burden >30%
19.0%-62% vs US avg
x
Mortgage-Free
43.5%+14% vs US avg
x
$124,900
Home Value
$753
Rent
1974
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached69.1%
  • 1-unit attached2.4%
  • 2-9 units14.1%
  • 10+ units12.5%
  • Mobile home & other1.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$124,900
Median rent$753
Owner-occupied62.5%
Vacant6.8%
Price-to-income2.0x
Est. income to buy$34,000