61070 — Stephenson County, Illinois Market Snapshot
Housing market data for zip code 61070 in Stephenson County, Illinois. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes 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
2 sales in 2026 (year to date)
Median Sale Price
$218,750
Days to Sell
41
Homes Sold
2
Inventory
N/A
Conforming Loan Available
Most homebuyers in 61070 can comfortably use conventional financing. The median home price of $218,750 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
61070's market is balanced with homes taking an average of 41 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 61070 can comfortably use conventional financing. The median home price of $218,750 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 61070 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 61070
To purchase the median home at $218,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,826.
Monthly Payment
$1,826
Income Required
$78,257
Principal & Interest
$1,348/mo
Down Payment (5%)
$10,938
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 61070.
Estimated Monthly Payment
$1,504
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