Median home value in zip code 61038 (Garden Prairie, IL) is $313,583, up 4.4% year over year. Part of the Rockford, IL metropolitan area.

Home Value$313,583

YoY Change

+4.4%

Prices rising — worse for buyers.

Affordability

Enter your income for 61038 (Garden Prairie).

Income (annual)

Down Payment

$62,717 on $313,583

Example: $75,000 household income. Change it above to see your own.

Out of reach37.1% of income

Need $99,343/yr to afford.

PITI$2,318

P/I37.1%

Afford$237K

Gap-$77K

P&I $1,586Tax $583Ins $150

6.50% 30yr, 20% down, county tax + IL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

61038 is part of the Rockford, IL metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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