Stephenson County, IL Average Home Price (2026)
The average home price in Stephenson County, Illinois is about $219,500 (the 2026 median across 12 ZIP codes, at ~$128/sq ft) — 11% more expensive than the Illinois median and 24% more affordable than the typical U.S. home.
How Stephenson County compares
Stephenson County is about average for housing nationally: its typical home costs $219,500 against $197,000 for Illinois and $289,000 for the U.S. Within the county, ZIP-level values run from about $128,000 to $426,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Stephenson County | $219,500 | $128 |
| Illinois | $197,000 | $134 |
| United States | $289,000 | $193 |
Stephenson County home prices by ZIP code
The 12 most valuable ZIP codes in Stephenson County (of 12 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 61018 Dakota | $426,000 | $224 | +94% |
| 61067 Ridott | $325,000 | $171 | +48% |
| 61019 Davis | $271,000 | $143 | +23% |
| 61070 Rock City | $227,000 | $197 | +3% |
| 61039 German Valley | $220,000 | $108 | +0% |
| 61044 Kent | $220,000 | $116 | +0% |
| 61062 Pearl City | $219,000 | $140 | +0% |
| 61060 Orangeville | $217,000 | $156 | -1% |
| 61013 Cedarville | $213,000 | $112 | -3% |
| 61048 Lena | $210,000 | $105 | -4% |
| 61089 Winslow | $191,000 | $99 | -13% |
| 61032 Freeport | $128,000 | $98 | -42% |
Home value appreciation in Stephenson County
Home prices in Stephenson County have risen about 81% over the last 10 years (≈6.1% a year) and +60.1% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +12.3% — still rising. A home worth $219,500 today was worth roughly $121,472 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Illinois is +64.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Stephenson County
Run the numbers for Stephenson County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Stephenson County
To buy the typical $219,500 home in Stephenson County with 20% down, you need a household income of roughly $60,000 a year (about $1,390 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $71,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,000 | $1,730/mo | $74,000/yr |
| 10% (+PMI) | $22,000 | $1,660/mo | $71,000/yr |
| 20% | $43,900 | $1,390/mo | $60,000/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 Stephenson County
At about $128 per square foot, here is roughly how much home different budgets get you in Stephenson County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1170 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1560 sq ft | around the typical home here |
| $250k | 1950 sq ft | around the typical home here |
| $300k | 2340 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 3130 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 filtered to Illinois.
Estimate a specific home in Stephenson County
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Stephenson County home prices: frequently asked
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Browse all Illinois cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.