Stephenson County, IL

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

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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

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

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