61201 — Rock Island County, Illinois Market Snapshot
Housing market data for zip code 61201 in Rock Island County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
102 sales in 2026 (year to date)
Median Sale Price
$137,250
Days to Sell
29
Homes Sold
102
Inventory
69
Sale-to-List
97.5%
New Listings
122
Price/SqFt
$107
Pending Sales
111
Conforming Loan Available
Most homebuyers in 61201 can comfortably use conventional financing. The median home price of $137,250 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
Homes in 61201 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 61201 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 61201 can comfortably use conventional financing. The median home price of $137,250 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 61201 are set at the county level.
2026 Loan Limits — Rock Island 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 61201
To purchase the median home at $137,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,202.
Monthly Payment
$1,202
Income Required
$51,496
Principal & Interest
$846/mo
Down Payment (5%)
$6,863
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 61201.
Estimated Monthly Payment
$999
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