61282 — Rock Island County, Illinois Market Snapshot
Housing market data for zip code 61282 in Rock Island County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$182,500
Days to Sell
13
Homes Sold
13
Inventory
12
Sale-to-List
99.1%
New Listings
21
Price/SqFt
$130
Pending Sales
14
Conforming Loan Available
Most homebuyers in 61282 can comfortably use conventional financing. The median home price of $182,500 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
61282 is an extremely competitive market with homes selling in just 13 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 61282 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 61282 can comfortably use conventional financing. The median home price of $182,500 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 61282 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 61282
To purchase the median home at $182,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,548.
Monthly Payment
$1,548
Income Required
$66,354
Principal & Interest
$1,125/mo
Down Payment (5%)
$9,125
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 61282.
Estimated Monthly Payment
$1,279
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 61282. Tell us what you're looking for.