61027 — Stephenson County, Illinois Market Snapshot
Housing market data for zip code 61027 in Stephenson County, Illinois. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Stephenson County county page for broader data.
Market Sales Data
1 sales in 2025
Median Sale Price
$32,000
Days to Sell
22
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 61027 can comfortably use conventional financing. The median home price of $32,000 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 61027 are moving quickly at 22 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 61027 can comfortably use conventional financing. The median home price of $32,000 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 61027 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 61027
To purchase the median home at $32,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $395.
Monthly Payment
$395
Income Required
$16,936
Principal & Interest
$197/mo
Down Payment (5%)
$1,600
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 61027.
Estimated Monthly Payment
$348
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 61027. Tell us what you're looking for.