ZIP Code 61108 — Rockford, IL Home Prices (2026)
The typical home in ZIP 61108 (Rockford, Illinois) is worth about $193,000 at roughly $142 per square foot — 11% more expensive than the Rockford median and 34% more affordable than the typical U.S. home.
How 61108 compares
ZIP 61108 is a mid-priced ZIP code for Rockford: its typical home value of $193,000 ranks #4 of the 8 Rockford ZIP codes we track (the citywide range runs from $115,000 in 61104 to $275,000 in 61114). Per square foot it costs about $142, against $127 for Rockford as a whole, $135 for Illinois, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 61108 | $193,000 | $142 |
| Rockford, IL | $174,000 | $127 |
| Illinois | $200,000 | $135 |
| United States | $294,000 | $195 |
Home value by size in 61108
Using this ZIP’s rate of about $142 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 | $142,000 |
| 1,500 sq ft | $213,000 |
| 2,000 sq ft | $284,000 |
| 2,500 sq ft | $355,000 |
| 3,000 sq ft | $426,000 |
Salary needed to buy a home in ZIP 61108
To buy the typical $193,000 home in ZIP 61108 with 20% down, you need a household income of roughly $53,000 a year (about $1,230 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $62,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,700 | $1,520/mo | $65,000/yr |
| 10% (+PMI) | $19,300 | $1,460/mo | $62,000/yr |
| 20% | $38,600 | $1,230/mo | $53,000/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 61108
At about $142 per square foot, here is roughly how much home different budgets get you in ZIP 61108:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1060 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1410 sq ft | around the typical home here |
| $250k | 1760 sq ft | around the typical home here |
| $300k | 2110 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2820 sq ft | above the median — larger homes or the pricier ZIPs |
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 61108 home.
Estimate a specific home in 61108
The estimator below is pre-set to ZIP 61108 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Rockford ZIP codes by home value
Where 61108 sits among Rockford’s 8 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 61114 | $275,000 | $137 |
| 2 | 61107 | $229,000 | $130 |
| 3 | 61109 | $196,000 | $154 |
| 4 | 61108 (this page) | $193,000 | $142 |
| 5 | 61103 | $155,000 | $98 |
| 6 | 61102 | $125,000 | $123 |
| 7 | 61101 | $117,000 | $107 |
| 8 | 61104 | $115,000 | $96 |
ZIP 61108 home prices: frequently asked
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See the full Rockford 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.