61104 — Winnebago County, Illinois Market Snapshot
Housing market data for zip code 61104 in Winnebago County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$170,000
Days to Sell
19
Homes Sold
17
Inventory
12
Sale-to-List
98.9%
New Listings
30
Price/SqFt
$116
Pending Sales
25
Within Conforming Limit Estimate
At 5% down, the estimated base loan for the $170,000 median-priced home in 61104 is $161,500. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Market Temperature
The median listing-to-close time for the reported sales in 61104 is 19 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 61104 is 98.9%. This aggregate does not predict the sale price or appraisal for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $170,000 median-priced home in 61104 is $161,500. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 61104 are set at the county level.
2026 Loan Limits — Winnebago County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 61104
To purchase the median home at $170,000 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $1,520.
Monthly Payment
$1,520
Income Required
$65,133
Principal & Interest
$1,047/mo
Property Tax
$255/mo
Home Insurance
$150/mo
Estimated PMI
$67/mo
Down Payment (5%)
$8,500
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 61104.
Estimated Monthly Payment
$1,202
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
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