Real Estate Investing in Loves Park, Illinois (61111)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 61111 (Loves Park, IL)? Our answer, based on the numbers below.
Strong fundamentals — affordable, appreciating, and stable. A confident pick for primary residence.
Rare combination of both appreciation and cash flow. These markets don't last long — worth serious consideration.
No major risk flags on the data we track.
What’s happening in Loves Park, IL (61111)?
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Market Analysis: 61111 Loves Park
ZIP 61111 in Loves Park, IL carries a notable set of headwinds. Home values near $208K and rents of $1,571/mo sit inside a market where underwriting has to be tight.
The 61111 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 61111 and stronger Loves Park ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
The 61111 ZIP's population of 22,838 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that registers the need for careful underwriting.
Strategically, 61111 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.
Here's what matters if you're considering buying a home in Loves Park:
Property Strategy for 61111
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $99,190 | $950 | 6.9% | +13.1% | $99,190 |
| 2BR | $163,970 | $1,240 | 5.4% | +11.1% | $81,985 |
| 3BR | $203,311 | $1,640 | 5.8% | +10.2% | $67,770 |
| 4BR | $290,002 | $1,680 | 4.2% | +9.6% | $72,501 |
| 5BR | $337,496 | — | — | +8.8% | $67,499 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 61111 Compare?
| Metric | 61111 | Loves Park | Rockford, IL | Illinois |
|---|---|---|---|---|
| Home Value | $207,516 | $207,516 | N/A | $279,761 |
| 5-Year CAGR | 8.7% | 8.7% | N/A | 6.6% |
| Avg Rent | $1,571 | $1,571 | N/A | - |
| Cap Rate | 5.9% | 5.9% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 61111 (Loves Park, IL). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $207,516 |
| Monthly Rent | $1,571 |
| Price-to-Rent | 11.0:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 9.1% |
| Cap Rate | 5.9% |
| 5-Year IRR | 14.6% |
📈 Home Appreciation
| 1-Year | +9.8% ▲ |
| 3-Year CAGR | +8.9% ▲ |
| 5-Year CAGR | +8.7% ▲ |
| 10-Year CAGR | +7.8% ▲ |
🏠 Rent Trends
| 1-Year | +6.8% ▲ |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.9%). 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.
Demographics in 61111
Population: 22,838
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 61111
Schools in This ZIP Code
Nearby Schools (5 more)
Schools in adjacent ZIP codes that may serve this area
Donald C Parker Early Educ Center
Machesney Elem School
Olson Park Elem School
Marquette Elem School
Ralston Elem School
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
Investor Insight: With 3,649 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What monthly rent should investors expect in Loves Park, IL?
Loves Park, IL rentals go for roughly $1,571/mo a month. That puts gross yield in solid territory relative to $208K acquisition costs.
What is the typical vacancy rate in Loves Park, IL?
Expect elevated vacancy in Loves Park, IL. Rents at $1,571/mo are absorbed by the tenant base without meaningful lag.
How does Loves Park, IL rate as a rental market?
Our data puts Loves Park, IL at 3.0/5 for investability. Home prices of $208K and rents around $1,571/mo create a solid backdrop for investor activity.
Can I live-in-and-rent in Loves Park, IL?
Loves Park, IL is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $208K price point reasonable to enter.
How do home values compare in Loves Park, IL?
The median home value in Loves Park, IL is roughly $208K. That puts it reasonable relative to the IL statewide average.
You know 61111 now. You don’t know where it ranks.
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How 61111 ranks in Rockford, IL
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