61265 — Rock Island County, Illinois Market Snapshot
Housing market data for zip code 61265 in Rock Island County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
115 sales in 2026 (year to date)
Median Sale Price
$170,000
Days to Sell
15
Homes Sold
115
Inventory
57
Sale-to-List
100.1%
New Listings
132
Price/SqFt
$120
Pending Sales
124
Conforming Loan Available
Most homebuyers in 61265 can comfortably use conventional financing. The median home price of $170,000 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 61265 are moving quickly at 15 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 61265 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 61265 can comfortably use conventional financing. The median home price of $170,000 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 61265 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 61265
To purchase the median home at $170,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,452.
Monthly Payment
$1,452
Income Required
$62,250
Principal & Interest
$1,047/mo
Down Payment (5%)
$8,500
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 61265.
Estimated Monthly Payment
$1,202
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