Roscoe, IL—61073
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Roscoe, IL
As of Oct '25, the median home price in Roscoe, IL is $295,000, with a year-over-year change of 6.8%. This indicates that home prices in Roscoe, IL are increasing. According to Zillow, the 1-year price projection is 4.2%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $295,000 | 6.8% |
| Single Family | $301,000 | 6.7% |
| Condos | $172,000 | 6.2% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $180,000 | 5.3% |
3 Bed | $280,000 | 7.3% |
4 Bed | $360,000 | 6.5% |
| 5 Bed | $420,000 | 5.3% |
% of Housing Stock
Rental Trends — Roscoe, IL
As of July '25, Rentcast reports the average rent in Roscoe, IL is $1,840, with a year-over-year rent change of 16.5%. Per bedroom, the median rent as of July '25 in Roscoe, IL is 1-bedrooms: $1,200, 2-bedrooms: $1,480, 3-bedrooms: $2,270. The most common rental property sizes in Roscoe, IL are 2-bedroom and 3-bedroom, accounting for 48.2% and 30.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,580 | $1,840 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,200 | $1,200 |
| 2 Bed Rent | $1,450 | $1,480 |
| 3 Bed Rent | $2,100 | $2,270 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Roscoe, IL
As of Oct '25, Realtor.com reports that the median days on market for a home in Roscoe, IL is 44. This is a increase of 49.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 36.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $344,000 | -8.0% |
Listing Count | 55 | -7.0% |
| Listings as % of Homes | 0.7% | -7.0% |
Days on Market | 44 | 49.0% |
Demographics — Roscoe, IL
As of the latest ACS Survey released in 2023, Roscoe, IL has a population of 20,000, which has increased by 4.4% over the past 5 years. Roscoe, IL is a popular place for families, as children make up 29.2% of the population. The area has a moderately educated workforce, with 38.9% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 12.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 20,000 | 4.4% |
% Under 18 | 29.2% | 10.2% |
% Seniors | 16.4% | 19.7% |
% WFH | 12.2% | 144.0% |
% w/ College Degree | 38.9% | 12.4% |
As of the latest ACS Survey released in 2023, Roscoe, IL is a predominantly white area, with 86.0% of the population identifying as white. The white population has shrunk by 5.8% in the last 5 years. The second most common race or ethnicity in Roscoe, IL is hispanic, making up 7.0% of the population. Foreign-born residents account for 4.0% of the population in Roscoe, IL, and this percentage has decreased by 28.6% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 86.0% | -5.8% |
% Black | 2.8% | 27.3% |
% Hispanic | 7.0% | 191.7% |
% Asian | 1.9% | -48.6% |
% Foreign Born | 4.0% | -28.6% |
Mortgage and Risk — Roscoe, IL
According to HUD data as of 2023, there were 449 mortgage originations in Roscoe, IL, of which 82.0% of loans were conventional mortgages. The average loan-to-value was 59.0%, with 22.0% above 90% LTV (very high). This implies large mortgage risk in Roscoe, IL. Investor activity is low, as 2.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 449 |
% Conventional Loans | 82.0% |
% Government Loans | 18.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Roscoe, IL
Roscoe, IL lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 4 |
Total Units Section 8 | 4 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$10 | $1,200 | $1,190 |
| 2 Bedroom | $110 | $1,450 | $1,560 |
| 3 Bedroom | -$40 | $2,100 | $2,060 |
| 4 Bedroom | N/A | N/A | $2,120 |
Affordability — Roscoe, IL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.3 |
| Median Home Price | $295,000 |
| Median Household Income | $105,000 |