61064 — Lee County, Illinois Market Snapshot
Housing market data for zip code 61064 in Lee County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$171,496
Days to Sell
38
Homes Sold
10
Inventory
4
Sale-to-List
100.5%
New Listings
9
Price/SqFt
$110
Pending Sales
9
Conforming Loan Available
Most homebuyers in 61064 can comfortably use conventional financing. The median home price of $171,496 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
61064's market is balanced with homes taking an average of 38 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 61064 (100.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 61064 can comfortably use conventional financing. The median home price of $171,496 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 61064 are set at the county level.
2026 Loan Limits — Lee 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 61064
To purchase the median home at $171,496 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,464.
Monthly Payment
$1,464
Income Required
$62,740
Principal & Interest
$1,057/mo
Down Payment (5%)
$8,575
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 61064.
Estimated Monthly Payment
$1,211
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