ZIP Code 61109 — Rockford, IL Home Prices (2026)
The typical home in ZIP 61109 (Rockford, Illinois) is worth about $196,000 at roughly $154 per square foot — 13% more expensive than the Rockford median and 33% more affordable than the typical U.S. home.
How 61109 compares
ZIP 61109 is one of the pricier ZIP codes in Rockford: its typical home value of $196,000 ranks #3 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 $154, against $127 for Rockford as a whole, $135 for Illinois, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 61109 | $196,000 | $154 |
| Rockford, IL | $174,000 | $127 |
| Illinois | $200,000 | $135 |
| United States | $294,000 | $195 |
Home value by size in 61109
Using this ZIP’s rate of about $154 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 | $154,000 |
| 1,500 sq ft | $231,000 |
| 2,000 sq ft | $308,000 |
| 2,500 sq ft | $385,000 |
| 3,000 sq ft | $462,000 |
Salary needed to buy a home in ZIP 61109
To buy the typical $196,000 home in ZIP 61109 with 20% down, you need a household income of roughly $53,000 a year (about $1,240 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $63,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,800 | $1,550/mo | $66,000/yr |
| 10% (+PMI) | $19,600 | $1,480/mo | $63,000/yr |
| 20% | $39,200 | $1,240/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 61109
At about $154 per square foot, here is roughly how much home different budgets get you in ZIP 61109:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 970 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1300 sq ft | around the typical home here |
| $250k | 1620 sq ft | around the typical home here |
| $300k | 1950 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2600 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 61109 home.
Estimate a specific home in 61109
The estimator below is pre-set to ZIP 61109 — 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 61109 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 (this page) | $196,000 | $154 |
| 4 | 61108 | $193,000 | $142 |
| 5 | 61103 | $155,000 | $98 |
| 6 | 61102 | $125,000 | $123 |
| 7 | 61101 | $117,000 | $107 |
| 8 | 61104 | $115,000 | $96 |
ZIP 61109 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.