The typical owner-occupied home in Rock Island County is worth about $150,400, 43% below the Illinois median of $263,300 and 55% below the national median of $332,700. Owners pay a median $3,425 a year in property taxes, about 2.28% of their home's value, higher than the Illinois rate of 2.01%. The median household earns $67,159 a year, so the median home costs 2.2 times the median income (3.2 times for Illinois). 70% of occupied homes here are lived in by their owners, and 58% of those owners still have a mortgage.
Rock Island County at a glance
| Rock Island County | Illinois | U.S. | |
|---|---|---|---|
| Median home value | $150,400 | $263,300 | $332,700 |
| Median property tax paid per year | $3,425 | $5,298 | $3,119 |
| Property tax as a share of value | 2.28% | 2.01% | 0.94% |
| Median household income | $67,159 | $83,390 | $80,734 |
| Homes lived in by their owners | 70% | 67% | 65% |
| Owner homes with a mortgage | 58% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,360 | $1,987 | $1,963 |
| Those costs as a share of the owners' income | 18.3% | 20.6% | 21.0% |
| Median rent | $889 | $1,274 | $1,413 |
| Rent as a share of renters' income | 29.0% | 29.1% | 30.6% |
| Median year homes were built | 1962 | 1971 | 1980 |
| Vacant homes | 7.5% | 7.7% | 10.1% |
| Population | 142,757 | 12,694,798 | 334,922,499 |
What a typical home costs per month in Rock Island County
At this week's average 30-year rate of 7.11%, buying the median Rock Island County home of $150,400 with 20% down costs about $1,158 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,408, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $49,621 for the 20%-down payment. That payment is 21% of the median Rock Island County household income of $67,159; at that income and 20% down, the 28% guideline points to a home of about $204,000.
The median rent here is $889 a month, so owning the median home costs about $269 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $30,080 |
|---|---|
| Loan amount | $120,320 |
| Principal and interest | $809 |
| Property taxes (2.28% a year) | $286 |
| Homeowners insurance (our estimate, 0.5% a year) | $63 |
| PMI | $0 |
| Total per month | $1,158 |
Change the numbers in the calculator
| Down payment | $5,264 |
|---|---|
| Loan amount | $147,676 |
| Principal and interest | $993 |
| Property taxes (2.28% a year) | $286 |
| Homeowners insurance (our estimate, 0.5% a year) | $63 |
| FHA mortgage insurance | $67 |
| Total per month | $1,408 |
Change the numbers in the calculator
Questions about home buying in Rock Island County
What is the median home value in Rock Island County?
About $150,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Rock Island County?
Homeowners pay a median $3,425 a year, which is about 2.28% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Rock Island County?
For the median home with 20% down at 7.11%, the payment is about $1,158 a month. Keeping that under 28% of gross income takes about $49,621 a year.
More about Rock Island County
- Mortgage Refinance in Rock Island County
- Debt Relief in Rock Island County
- Home Equity Loans in Rock Island County
- 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