Most Affordable ZIP Codes in Rockford, IL (2026)
The lowest entry prices that still hold a decent investability rating — cheap is only useful if the market underneath it is sound.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 61104 | Rockford, IL | $114,812 | $1,088 | 7.39% | 13.5% |
| 2 | 61101 1% rule | Rockford, IL | $117,334 | $1,275 | 8.48% | 14.4% |
| 3 | 61102 1% rule | Rockford, IL | $124,695 | $1,406 | 8.80% | 11.1% |
| 4 | 61103 | Rockford, IL | $155,259 | $1,021 | 5.13% | 10.6% |
| 5 | 61108 | Rockford, IL | $193,284 | $1,490 | 6.01% | 9.5% |
| 6 | 61109 | Rockford, IL | $195,906 | $1,149 | 4.57% | 10.3% |
| 7 | 61111 | Loves Park, IL | $207,516 | $1,571 | 5.91% | 8.7% |
| 8 | 61115 | Machesney Park, IL | $211,232 | $1,469 | 5.43% | 9.1% |
| 9 | 61107 | Rockford, IL | $228,518 | $1,349 | 4.60% | 9.4% |
| 10 | 61024 | Durand, IL | $231,968 | $963 | 3.24% | 9.6% |
| 11 | 61063 | Pecatonica, IL | $239,553 | $1,188 | 3.87% | 9.1% |
| 12 | 61080 | South Beloit, IL | $243,288 | $972 | 3.12% | 9.0% |
| 13 | 61008 | Belvidere, IL | $267,975 | $1,673 | 4.87% | 7.7% |
| 14 | 61114 | Rockford, IL | $275,189 | $2,100 | 5.95% | 8.6% |
| 15 | 61012 | Capron, IL | $275,265 | $1,053 | 2.98% | 8.2% |
| 16 | 61065 | Poplar Grove, IL | $282,092 | $1,584 | 4.38% | 7.3% |
| 17 | 61088 | Winnebago, IL | $288,598 | $1,116 | 3.02% | 8.3% |
| 18 | 61016 | Cherry Valley, IL | $294,120 | $963 | 2.55% | 8.4% |
| 19 | 61072 | Rockton, IL | $300,992 | $1,053 | 2.73% | 8.2% |
| 20 | 61073 | Roscoe, IL | $318,229 | $1,658 | 4.06% | 8.7% |
| 21 | 61038 | Garden Prairie, IL | $334,484 | $1,134 | 2.64% | 7.7% |
| 22 | 61011 | Caledonia, IL | $383,932 | $1,584 | 3.22% | 7.4% |
Ranked from Repit’s own ZIP-level data — Zillow home values and rents, HUD fair-market rents where Zillow has no coverage, and U.S. Census vacancy. Cap rate is gross: annual rent over purchase price, before financing and expenses. Every ZIP above links to its full free page. How we calculate this →
Same metro, different strategy
Cash Flow in Rockford, IL · Appreciation in Rockford, IL
Or see the full Rockford, IL metro profile.