How much is a home worth in ZIP code 61109?

The typical home in 61109 is worth $189,884, based on the Zillow Home Value Index.

Are home values rising in 61109?

Home values in 61109 are up 11.2% over the past year, and up 10.7% a year over five years.

What is the typical rent in 61109?

A typical home in 61109 rents for about $1,087 a month, a gross rental yield of 6.9%.

What is the property tax rate in 61109?

The effective property tax rate in 61109 is 2.3% — roughly $4,327 a year on a typical home.

ZIP code 61109 has a population of 26,768 and a median household income of $62,973.

HousingHandbookReference data

…

U.S. ZIP Code · IL61109

Winnebago County · Rockford, IL

Typical home value

$189,884^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: +11.2%
5-year / yr: +10.7%
10-year / yr: +10.1%

Relative price

vs U.S.: -33.2%
vs metro: -18.0%
vs state: ≈ state median

Price history

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

The typical home in 61109 is worth $189,884 — 18.0% below the Rockford, IL median. Over the past year, values have risen 11.2%. Homes here rent for a typical $1,087 a month — a 6.9% gross rental yield. The effective property tax rate is 2.3%.

#Rent & investment

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

Monthly rent: $1,087^[2]
Gross yield: 6.9%^[2]
Cap rate: 4.1%^[2]

#Property tax

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

Effective tax rate: 2.3%^[3]
Typical annual tax: $4,327^[3]

#Climate risk

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

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

#Who lives here

Population: 26,768^[3]
Median household income: $62,973^[3]

#Migration

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

Net migration: -385^[5]
Moved in: 5,375
Moved out: 5,760

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 6
Elementary: 4
Middle: 0
High: 1

Jefferson High School
High · Grades 9–12 · Rockford SD 205
2,170 students
Cherry Valley Elementary School
Elementary · Grades K–5 · Rockford SD 205
634 students
Swan Hillman Elem School
Elementary · Grades K–5 · Rockford SD 205
563 students
Riverdahl Elem School
Elementary · Grades K–5 · Rockford SD 205
529 students
Wm Nashold Early Childhood Center
Prekindergarten · Grades PK · Rockford SD 205
483 students

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 yield6.9%

Net yield (after ~40% expenses)4.1%

Annual rent$13,041

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$960

Loan principal$151,907

Down payment$37,977

Total interest paid$193,749

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 ratio1.36

Monthly cost to own$1,479

Monthly rent$1,087

Renting is meaningfully cheaper month-to-month.

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: 90th percentile^[1]
Rental yield: 10th percentile^[2]
Property tax: 71st percentile^[3]

Rankings

Top-10 lists this ZIP code appears on.

7th for best 5-year appreciation in ILView list →

Frequently asked

How much is a home worth in ZIP code 61109?: The typical home in 61109 is worth $189,884, based on the Zillow Home Value Index.
Are home values rising in 61109?: Home values in 61109 are up 11.2% over the past year, and up 10.7% a year over five years.
What is the typical rent in 61109?: A typical home in 61109 rents for about $1,087 a month, a gross rental yield of 6.9%.
What is the property tax rate in 61109?: The effective property tax rate in 61109 is 2.3% — roughly $4,327 a year on a typical home.
Who lives in 61109?: ZIP code 61109 has a population of 26,768 and a median household income of $62,973.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

61108 vs 61109 →
Rockford, IL
Typical home
$186,560
Gross yield
8.9%
61111 vs 61109 →
Loves Park, IL
Typical home
$201,075
Gross yield
11.0%
61115
Machesney Park, IL
Typical home
$203,212
Gross yield
7.6%
61107
Rockford, IL
Typical home
$221,080
Gross yield
7.3%
61024
Durand, IL
Typical home
$221,403
Gross yield
—
61063
Pecatonica, IL
Typical home
$228,166
Gross yield
—

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#Jump to section

U.S. ZIP Code · IL61109

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