61104 — Winnebago County, Illinois Market Snapshot
Housing market data for zip code 61104 in Winnebago County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$170,000
Days to Sell
19
Homes Sold
17
Inventory
12
Sale-to-List
98.9%
New Listings
30
Price/SqFt
$116
Pending Sales
25
Conforming Loan Available
Most homebuyers in 61104 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 61104 are moving quickly at 19 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 61104 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 61104 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 61104 are set at the county level.
2026 Loan Limits — Winnebago 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 61104
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 61104.
Estimated Monthly Payment
$1,202
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