Stephenson County, IL

Comprehensive housing, income, and cost of living data for Stephenson County, Illinois. Population: 44.5K.

Median Home Price
$199.9K

Based on 8 cities

Median Household Income
$61.9K

Annual household income

Price-to-Income Ratio
3.2x

Moderately affordable

Salary Needed to Buy
$58.1K

30-yr mortgage, 6.5% rate, 20% down

Housing & Finance

Annual Property Tax
$3,140

Average annual amount

Effective Tax Rate
1.57%

Property tax / home value

Monthly Housing Costs
Mortgage (P&I)$1,011
Property Tax$262
Insurance$83.31
Total Monthly$1,356
Historical Home Prices
2015
$68.4K
2016
$69.2K
+1.2%%
2017
$73.1K
+5.7%%
2018
$78.3K
+7.0%%
2019
$84.8K
+8.3%%
2020
$91.7K
+8.2%%
2021
$108.0K
+17.8%%
2022
$116.5K
+7.8%%
2023
$122.6K
+5.2%%
2024
$132.2K
+7.9%%
2025
$146.5K
+10.8%%
Source: County price history data via Zillow ZHVI

Demographics & Economics

Unemployment Rate
5.4%%

Near national average

Population Density
79

People per square mile

Homicide Rate
5.1

Low (per 100K residents)

Political Lean (2020)
Competitive

R+0

Racial Demographics

White
80%
Black
8.4%
Hispanic
5.3%
Asian
0.8%
Two or More Races
5.3%

Source: Census ACS 2023. Hispanic/Latino ethnicity counted separately from race.

Climate & Environment

Average Temperature
48°F

Annual average

Sunny Days
155

Days per year

Annual Rainfall
38.5"

Inches per year

Natural Disaster Risk
High Risk

Score: 74/100

Frequently Asked Questions

What is the median home price in Stephenson County, IL?

The median home price in Stephenson County, Illinois is $199.9K. The price-to-income ratio is 3.2x, meaning the median home costs 3.2 times the median household income.

What salary do you need to buy a home in Stephenson County?

Based on a 30-year mortgage at 6.5% with 20% down and the 28% debt-to-income rule, you need approximately $58.1K per year to buy the median home in Stephenson County, IL. Monthly housing costs break down to $1,011 for mortgage, $262 for property tax, and $83.31 for insurance.

What is the property tax rate in Stephenson County?

The effective property tax rate in Stephenson County is 1.57%, which comes to approximately $3,140 per year on the median home.

What is the median household income in Stephenson County?

The median household income in Stephenson County, Illinois is $61.9K per year, based on Census Bureau American Community Survey data. The unemployment rate is 5.4%%.

Is Stephenson County a good place to live?

Stephenson County, Illinois has a population of 44.5K. Housing affordability is strong with a price-to-income ratio of 3.2x. The climate averages 48 degrees F with 155 sunny days per year. Compare Stephenson County with other areas using our cost of living tools to find the best fit for your budget and lifestyle.