Real Estate Investing in East Dubuque, Illinois (61025)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Jo Daviess County • Population: 4,331 • Data updated: September 2026

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Should you buy in 61025 (East Dubuque, IL)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (76/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in East Dubuque, IL (61025)?

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3.0/ 5

Investability

Overall investment appeal

4.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $238,364
Avg Monthly Rent $945
1% Rule ✗ Does Not Meet
Median Income $63,995
% Renters 22.9%

Market Analysis: 61025 East Dubuque

Put differently, ZIP 61025 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $238K median. It rewards specialists, not generalists.

The 61025 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

The gap between 61025 and stronger East Dubuque ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

The 61025 ZIP's population of 4,331 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that posts the need for careful underwriting.

tilts toward the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in East Dubuque:

B Good
Buy Confidence Score: 70/100
Affordability
15/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.7× the median income
Value Trend
Rising (+4.8%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $945/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.

Market Trends

Home Value History (with trend line)

$251K$222K$194K$165K$136K$108KMar 2009Nov 2017Jul 2026

📊 How Does 61025 Compare?

Metric 61025 East Dubuque Illinois
Home Value $238,364 $238,364 $279,761
5-Year CAGR 8.7% 8.7% 6.6%
Avg Rent $945 $945 -
Cap Rate 3.1% 3.1% -
💡 Why Invest in 61025? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 61025 (East Dubuque, IL). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.1%
Low
5yr Growth
+8.7%
Strong

📊 Market Snapshot

Home Value $238,364
Monthly Rent $945
Price-to-Rent 21.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.8%
Cap Rate 3.1%
5-Year IRR 11.8%

📈 Home Appreciation

1-Year +4.8% ▲
3-Year CAGR +8.4% ▲
5-Year CAGR +8.7% ▲
10-Year CAGR +7.0% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.1%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
5.4%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+8.7%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 61025

Population: 4,331

💰 Median Household Income
$63,995
This area
$63,995
State
$75,721
USA
$74,580
🏠 Renter Occupied
22.9%
This area
22.9%
State
22.2%
USA
34.0%
💼 Unemployment Rate
2.7%
This area
2.7%
State
-3.3%
USA
3.7%
🎓 College Educated
17.0%
This area
17.0%
State
16.4%
USA
33.7%
👤 Median Age
52.6 years
This area
52.6 years
State
32.6 years
USA
38.9 years
🏚️ Vacancy Rate
5.4%
This area
5.4%
State
11.6%
USA
10.5%
👥 Population by Ethnicity
White 93.8%
Other/Mixed 4.0%
Hispanic/Latino 3.1%
Black/African American 1.5%
Asian 0.7%
👶 Under 18
16.3%
This area
16.3%
USA
22.0%
👴 65 and Over
21.6%
This area
21.6%
USA
17.3%
📊 Poverty Rate
1.7%
This area
1.7%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 61025

A+ Avg School Grade
3 Schools
11.1:1 Avg Class Size
$22,072 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

East Dubuque Elem School

📚 Pre-K – 06 School
👥
351 Students
👨‍🏫
12.0:1 Class Size
💰
$22,072 Per Student
A+ Excellent

East Dubuque High School

📚 09 – 12 High School
👥
181 Students
👨‍🏫
9.8:1 Class Size
💰
$22,072 Per Student
A Very Good

East Dubuque Jr High

📚 07 – 08 Middle
👥
87 Students
👨‍🏫
11.5:1 Class Size
💰
$22,072 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

6 Nearby
C
Capri College-Dubuque
153 students · 5.8 mi
C+
Loras College
1,213 students · 6.6 mi
C
Wartburg Theological Seminary
164 students · 6.8 mi
C
University of Dubuque
1,795 students · 7.1 mi
C
Clarke University
1,025 students · 7.2 mi
C+
Emmaus Bible College
197 students · 8.0 mi

Frequently Asked Questions

What strategy should investors use in East Dubuque, IL?

A careful cash-flow rentals with hands-on management strategy East Dubuque, IL best. The market produces even-keeled results for that approach at the $238K price point.

What do rentals go for in East Dubuque, IL?

Average rent in East Dubuque, IL is approximately $945/mo per month. Against $238K home values that yields a reasonable rent-to-price ratio.

How high is vacancy risk in East Dubuque, IL?

Vacancy risk in East Dubuque, IL is elevated. That supports predictable cash flow for typical rental holds.

Is it easy to find good tenants in East Dubuque, IL?

Tenant demand in East Dubuque, IL is solid. The local workforce $945/mo rents across most rental classes.

Where do home prices stand in East Dubuque, IL?

East Dubuque, IL home values average about $238K. That price point suits investors targeting rentals with $945/mo in monthly income.

You know 61025 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 61025 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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