The typical owner-occupied home in Rock Island is worth about $122,800, 57% below the Texas median of $283,800 and 63% below the national median of $332,700. The median household earns $43,149 a year, so the median home costs 2.8 times the median income (3.6 times for Texas). 95% of occupied homes here are lived in by their owners, and 34% of those owners still have a mortgage.
Rock Island at a glance
| Rock Island | Texas | U.S. | |
|---|---|---|---|
| Median home value | $122,800 | $283,800 | $332,700 |
| Median property tax paid per year | – | $4,232 | $3,119 |
| Median household income | $43,149 | $78,476 | $80,734 |
| Homes lived in by their owners | 95% | 63% | 65% |
| Owner homes with a mortgage | 34% | 56% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,106 | $1,963 |
| Median rent | – | $1,403 | $1,413 |
| Median year homes were built | 1992 | 1992 | 1980 |
| Vacant homes | 25.8% | 9.4% | 10.1% |
| People below the poverty line | 8.9% | 13.8% | 12.5% |
| Population | 414 | 30,188,424 | 334,922,499 |
Household budgets and debt in Rock Island
8.9% of residents live below the federal poverty line, compared with 13.8% in Texas.
If debts are getting hard to manage, the usual options, from mildest to most serious, are: a budget and a call to your lenders to ask for a hardship plan; a debt management plan through a nonprofit credit counselor, which can lower interest rates; a debt consolidation loan or, for homeowners, a cash-out refinance or home equity loan; debt settlement, where a company negotiates to pay less than you owe; and bankruptcy.
Under the Federal Trade Commission's rules, debt settlement companies can't charge a fee until they have settled at least one of your debts. Settling can hurt your credit and forgiven debt may be taxable, so compare it with credit counseling first. Time limits for collectors to sue differ by state and by type of debt; check with your state attorney general or a lawyer before relying on one.
Homeowners can sometimes pay off high-interest debt with their home's equity. With the median Rock Island home worth $122,800 and 66% of owners mortgage-free, many owners have equity to draw on, but it turns unsecured debt into debt secured by your home.
Questions about debt relief in Rock Island
What is the median home value in Rock Island?
About $122,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much of their income do Rock Island households spend on housing?
With a median household income of $43,149, owners with a mortgage spend a median 0.0% on housing and renters 0.0%.
More about Rock Island
- Mortgage Refinance in Rock Island
- Home Buying in Rock Island
- Home Equity Loans in Rock Island
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data