Sterling, IL Metro Area - Investment Guide
Metro Area • 11 Cities • 11 ZIP Codes
Avg Home Value
$163,894
Avg Monthly Rent
$905
Avg Cap Rate
4.49%
Avg Investability
2.9 ★
Cities
11
ZIP Codes
11
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Market Trends
Metro Home Value History
Metro Rent History
🏦 30-yr Fixed Rate:
6.76%
as of Sep 10
Source: Freddie Mac PMMS
☀️
WARM MARKET
Sterling, IL Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
9.0%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅
Market conditions data as of August 29, 2026 — updated weekly
Best ZIP codes in Sterling, IL
Every ZIP in the metro, ranked four ways. Free.
Cities in Sterling, IL
Top ZIP Codes by Investability
| ZIP Code | City | State | Home Value | Rent | Cap Rate | Rating |
|---|---|---|---|---|---|---|
| 61261 | Lyndon | IL | $103,741 | $1,161 | 8.73% | |
| 61261 | Lyndon | IL | $108,891 | $1,161 | 8.32% | |
| 61261 | Lyndon | IL | $103,741 | $1,161 | 8.73% | |
| 61081 | Sterling | IL | $144,812 | $856 | 4.61% | |
| 61230 | Albany | IL | $170,149 | $846 | 3.88% | |
| 61270 | Morrison | IL | $160,837 | $954 | 4.63% | |
| 61250 | Erie | IL | $177,584 | $837 | 3.68% | |
| 61277 | Prophetstown | IL | $152,874 | $837 | 4.27% | |
| 61283 | Tampico | IL | $119,209 | $909 | 5.95% | |
| 61014 | Chadwick | IL | $156,441 | $1,008 | 5.03% | |
| 61252 | Fulton | IL | $162,570 | $900 | 4.32% | |
| 61071 | Rock Falls | IL | $124,801 | $825 | 5.16% | |
| 61081 | Sterling | IL | $149,646 | $800 | 4.17% | |
| 61261 | Lyndon | IL | $117,014 | $1,161 | 7.74% | |
| 61230 | Albany | IL | $171,349 | $846 | 3.85% | |
| 61270 | Morrison | IL | $169,138 | $954 | 4.40% | |
| 61277 | Prophetstown | IL | $167,002 | $837 | 3.91% | |
| 61014 | Chadwick | IL | $143,494 | $1,008 | 5.48% | |
| 61250 | Erie | IL | $180,625 | $837 | 3.61% | |
| 61283 | Tampico | IL | $127,477 | $909 | 5.56% | |
| 61071 | Rock Falls | IL | $117,407 | $850 | 5.65% | |
| 61081 | Sterling | IL | $139,389 | $856 | 4.79% | |
| 61252 | Fulton | IL | $167,773 | $900 | 4.18% | |
| 61230 | Albany | IL | $164,611 | $846 | 4.01% | |
| 61261 | Lyndon | IL | $124,360 | $1,161 | 7.28% | |
| 61250 | Erie | IL | $170,678 | $837 | 3.83% | |
| 61270 | Morrison | IL | $173,151 | $954 | 4.30% | |
| 61277 | Prophetstown | IL | $176,366 | $837 | 3.70% | |
| 61014 | Chadwick | IL | $157,249 | $1,008 | 5.00% | |
| 61252 | Fulton | IL | $157,742 | $900 | 4.45% | |
| 61283 | Tampico | IL | $133,967 | $909 | 5.29% | |
| 61071 | Rock Falls | IL | $123,159 | $850 | 5.38% | |
| 61081 | Sterling | IL | $144,520 | $800 | 4.32% | |
| 61230 | Albany | IL | $173,025 | $846 | 3.81% | |
| 61270 | Morrison | IL | $162,201 | $954 | 4.59% | |
| 61277 | Prophetstown | IL | $161,309 | $837 | 4.05% | |
| 61014 | Chadwick | IL | $137,807 | $1,008 | 5.71% | |
| 61250 | Erie | IL | $175,319 | $837 | 3.72% | |
| 61283 | Tampico | IL | $126,212 | $909 | 5.62% | |
| 61071 | Rock Falls | IL | $114,090 | $846 | 5.78% | |
| 61252 | Fulton | IL | $167,471 | $900 | 4.19% | |
| 61081 | Sterling | IL | $134,406 | $856 | 4.97% | |
| 61230 | Albany | IL | $163,535 | $846 | 4.04% | |
| 61261 | Lyndon | IL | $122,143 | $1,161 | 7.41% | |
| 61250 | Erie | IL | $166,551 | $837 | 3.92% | |
| 61270 | Morrison | IL | $171,940 | $954 | 4.33% | |
| 61277 | Prophetstown | IL | $171,878 | $837 | 3.80% | |
| 61014 | Chadwick | IL | $155,200 | $1,008 | 5.07% | |
| 61252 | Fulton | IL | $155,865 | $900 | 4.50% | |
| 61283 | Tampico | IL | $126,990 | $909 | 5.58% |
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About Sterling, IL Real Estate Market
The Sterling, IL metropolitan statistical area (MSA) encompasses 11 cities and 11 ZIP codes. The average home value across the metro is $163,894, with an average monthly rent of $905. Explore individual cities and ZIP codes to find investment opportunities that match your criteria.