How much is a home worth in ZIP code 61039?

The typical home in 61039 is worth $211,618, based on the Zillow Home Value Index.

Are home values rising in 61039?

Home values in 61039 are up 15.6% over the past year, and up 9.5% a year over five years.

What is the property tax rate in 61039?

The effective property tax rate in 61039 is 2.2% — roughly $4,606 a year on a typical home.

ZIP code 61039 has a population of 824 and a median household income of $84,107.

HousingHandbookReference data

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U.S. ZIP Code · IL61039

Stephenson County

Typical home value

$211,618^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: +15.6%
5-year / yr: +9.5%
10-year / yr: —

Relative price

vs U.S.: -25.5%
vs metro: —
vs state: +10.7%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 61039 is worth $211,618. Over the past year, values have risen 15.6%. The effective property tax rate is 2.2%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: —^[2]
Gross yield: —^[2]
Cap rate: —^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 2.2%^[3]
Typical annual tax: $4,606^[3]

#Climate risk

FEMA National Risk Index ratings for Stephenson County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Relatively Low^[4]
Riverine flood: Relatively Moderate
Coastal flood: Not Applicable
Wildfire: Very Low
Drought: Relatively Moderate
Heat wave: Relatively Low
Hurricane: Very Low
Tornado: Relatively Moderate
Earthquake: Very Low
Winter weather: Relatively Low

#Who lives here

Population: 824^[3]
Median household income: $84,107^[3]

#Migration

Household moves in and out of Stephenson County over a year, from IRS tax-return data.

Net migration: -37^[5]
Moved in: 881
Moved out: 918

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield—

Net yield (after ~40% expenses)—

Annual rent—

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$1,070

Loan principal$169,294

Down payment$42,324

Total interest paid$215,926

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio—

Monthly cost to own$1,631

Monthly rent—

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: —^[1]
Rental yield: —^[2]
Property tax: —^[3]

Frequently asked

How much is a home worth in ZIP code 61039?: The typical home in 61039 is worth $211,618, based on the Zillow Home Value Index.
Are home values rising in 61039?: Home values in 61039 are up 15.6% over the past year, and up 9.5% a year over five years.
What is the property tax rate in 61039?: The effective property tax rate in 61039 is 2.2% — roughly $4,606 a year on a typical home.
Who lives in 61039?: ZIP code 61039 has a population of 824 and a median household income of $84,107.

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#Jump to section

U.S. ZIP Code · IL61039

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