ZIP Code 61704 — Bloomington, IL Home Prices (2026)
The typical home in ZIP 61704 (Bloomington, Illinois) is worth about $332,000 at roughly $126 per square foot — about the same as the Bloomington median and 13% more expensive than the typical U.S. home.
How 61704 compares
ZIP 61704 is a mid-priced ZIP code for Bloomington: its typical home value of $332,000 ranks #2 of the 3 Bloomington ZIP codes we track (the citywide range runs from $180,000 in 61701 to $392,000 in 61705). Per square foot it costs about $126, against $126 for Bloomington as a whole, $135 for Illinois, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 61704 | $332,000 | $126 |
| Bloomington, IL | $332,000 | $126 |
| Illinois | $200,000 | $135 |
| United States | $294,000 | $195 |
Home value by size in 61704
Using this ZIP’s rate of about $126 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $126,000 |
| 1,500 sq ft | $189,000 |
| 2,000 sq ft | $252,000 |
| 2,500 sq ft | $315,000 |
| 3,000 sq ft | $378,000 |
Salary needed to buy a home in ZIP 61704
To buy the typical $332,000 home in ZIP 61704 with 20% down, you need a household income of roughly $90,000 a year (about $2,110 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $107,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $16,600 | $2,620/mo | $112,000/yr |
| 10% (+PMI) | $33,200 | $2,500/mo | $107,000/yr |
| 20% | $66,400 | $2,110/mo | $90,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 61704
At about $126 per square foot, here is roughly how much home different budgets get you in ZIP 61704:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1190 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1590 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1980 sq ft | below the local median — condos, smaller or older homes |
| $300k | 2380 sq ft | around the typical home here |
| $400k | 3170 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 61704 home.
Estimate a specific home in 61704
The estimator below is pre-set to ZIP 61704 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Bloomington ZIP codes by home value
Where 61704 sits among Bloomington’s 3 ZIP codes:
ZIP 61704 home prices: frequently asked
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See the full Bloomington home values page, all Illinois cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.