The story of this market
The typical home in Winnebago County, Illinois sells for about $214,667, or $140 per square foot.
Prices are up +16% from a year ago, so sellers still have some momentum. Homes take about 14 days to sell, which is fast. Over the long run, values in this county have grown 91% since 2000. Last year 58 of 68 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is cold wave, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,172 a month.
HUD sets the fair market rent for a 2-bedroom at $1,172 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
+7.1%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+13.1%). Worst: 2011 (-6.3%). Hover to read a year.
Monthly price momentum
Home values since 2015
+5.4%
IL · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,542
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+7.1%
2025 change
FHFA repeat-sales index, median of 68 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
51
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $121,597,918.
Mortgage activity
Home lending in this county
81.1%
2019 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 10731 | 5765 | 80.4% | 7.7% | $105,000 |
| 2019 | 11753▲ | 6430▲ | 81.1%▲ | 8.4%▲ | $110,000▲ |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Winnebago County, Illinois
The Winnebago County housing market is showing signs of strength with a significant year-over-year increase in median sale prices and a competitive pace of sales. Low inventory levels continue to drive price appreciation, though the market remains more affordable than the Illinois state average. Buyers are active, as evidenced by the high sale-to-list ratio and short time on market.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price corroborated by the published ten-year series (2026) (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 13 cities · 22 ZIP reports
Median prices moved up 9.2% year over year.
Homes spend a median of 27 days on market with 1.5 months of supply — a fast-moving market.
7% of listings have cut prices · homes sell at 88.87% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.2% · poverty 13.8% — a stable, low-distress profile.
Deterministic aggregate of 20 researched ZIP reports of 22 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Winnebago County, Illinois — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 3.0%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Each property observation weighs one in its ZIP's deterministic roll-up — property-level records (taxes, scores, permits) never roll individually. Latest property research run Sep 19, 2026.
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| 61011 | Caledonia | $350,000 | $193 | +6.3% | 34 | 98.5% | 10% | 3.6 | 263 | $1,685 | researched Sep 24 |
| 61016 | Cherry Valley | $361,900 | $205 | +17.1% | 31 | 98.5% | 14.3% | 1 | 7 | $1,021 | researched Sep 24 |
| 61019 | Durand | $339,900 | $142 | +6.3% | 43 | 101% | 10% | 1.1 | 247 | $972 | researched Sep 24 |
| 61020 | Davis Junction | $185,000 | $140 | +6.3% | 34 | 98.5% | 10% | 2.7 | 312 | $1,250 | researched Sep 24 |
| 61063 | Pecatonica | $204,000 | $148 | — | 14 | — | — | — | 9 | $1,116 | researched Sep 24 |
| 61072 | Rockton | $275,000 | $134 | +5.7% | 35 | 98.5% | 12% | 2.4 | 42 | $976 | researched Sep 24 |
| 61073 | Roscoe | $322,338 | $140 | -5.2% | 34 | 98.5% | 10% | 3.2 | 37 | $1,441 | researched Sep 24 |
| 61077 | Seward | $97,000 | $115 | +2.5% | 45 | 98% | 10% | 6 | 5 | $950 | researched Sep 24 |
| 61079 | Shirland | $185,000 | $118 | +12.1% | 26 | 100% | 10% | 0.6 | 312 | $1,063 | researched Sep 24 |
| 61080 | South Beloit | $299,900 | $140 | +6.3% | 34 | 98.5% | 10% | 3.2 | 76 | $942 | researched Sep 24 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
The county economy is anchored by the Rockford manufacturing and logistics hub, with ongoing efforts to diversify into aerospace and healthcare sectors.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Illinois) — Property Tax Assessment (Fair Cash Value): Property is assessed at 33 1/3% of its fair cash value. The tax bill is calculated by multiplying the equalized assessed value (EAV) by the aggregate tax rate of the local taxing districts.
The economy is heavily influenced by the manufacturing sector in Rockford, supported by logistics and healthcare services.
The county is served by major highway corridors including I-90 and I-39, facilitating regional connectivity.
The Winnebago County Supervisor of Assessments oversees the valuation of property for tax purposes, following Illinois state assessment standards.
The county contains numerous overlapping taxing districts, including school districts, community college districts, and forest preserve districts.
- Hurricane Harbor Rockford411.6 mi
- Volcano Falls Adventure Park4.410.5 mi
- Ninja Kidz Action Park (Previously Flow)4.88.9 mi
- Urban Air Trampoline and Adventure Park3.810.4 mi
- Chuck E. Cheese4.27.3 mi
- Anderson Japanese Gardens4.75.9 mi
- BMO Center4.54.8 mi
- Prairie Street Brewing Co.4.55 mi
- Coronado Theatre4.84.8 mi
- Byron Dragway4.814.4 mi
- Anderson Japanese Gardens4.75.9 mi
- Rock Cut State Park4.69.9 mi
- Classic Cinemas Beloit XQ4.717.4 mi
- Discovery Center Museum4.84.8 mi
- Hurricane Harbor Rockford411.6 mi
- Discovery Center Museum4.84.8 mi
- Burpee Museum of Natural History4.74.9 mi
- Historic Attractions4.913 mi
- Midway Village Museum4.79.8 mi
- Frank Lloyd Wright's Laurent House4.87.5 mi
- Rock Cut State Park4.69.9 mi
- Nicholas Conservatory & Gardens4.75.5 mi
- Sinnissippi Park4.76 mi
- Baumann Park4.712.3 mi
- Klehm Arboretum & Botanic Garden4.65.5 mi
- Prairie Street Brewing Co.4.55 mi
- PrairieView Golf Club4.714.6 mi
- Aldeen Golf Club4.69.5 mi
- Timber Pointe Golf Club4.517.5 mi
- Swanhills Golf Course4.414.4 mi
- Ledges Golf Course4.413.3 mi
- CherryVale Mall411 mi
- Meijer4.310 mi
- Meijer4.39 mi
- Ross Dress for Less4.110.1 mi
- Schnucks Roscoe4.311.3 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
Features a significant collection of American art and rotating exhibitions that serve as a cultural anchor for the region.
A world-class 12-acre garden that provides a serene landscape and is a major tourist attraction for the county.
Offers extensive outdoor recreation including hiking, camping, and fishing on Pierce Lake, serving as a primary natural amenity.
Data retrieved from data.census.gov
Sellers must provide a written disclosure report to prospective buyers detailing material defects in the property as defined by 765 ILCS 77/35.
765 ILCS 77/1 et seq.
Property is assessed at 33 1/3% of its fair cash value. The tax bill is calculated by multiplying the equalized assessed value (EAV) by the aggregate tax rate of the local taxing districts. Exemptions, such as the homestead exemption, reduce the EAV before the tax rate is applied.
35 ILCS 200/9-145
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.