61019 — Stephenson County, Illinois Market Snapshot
Housing market data for zip code 61019 in Stephenson County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$265,000
Days to Sell
44
Homes Sold
23
Inventory
15
Sale-to-List
96.9%
New Listings
25
Price/SqFt
$118
Pending Sales
21
Conforming Loan Available
Most homebuyers in 61019 can comfortably use conventional financing. The median home price of $265,000 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
61019's market is balanced with homes taking an average of 44 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 61019 sells for 3.1% below asking price (96.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 61019 can comfortably use conventional financing. The median home price of $265,000 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 61019 are set at the county level.
2026 Loan Limits — Stephenson 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 61019
To purchase the median home at $265,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,180.
Monthly Payment
$2,180
Income Required
$93,444
Principal & Interest
$1,633/mo
Down Payment (5%)
$13,250
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 61019.
Estimated Monthly Payment
$1,790
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