3-digit ZIP regional index
Home appreciation in ZIP codes 610xxFreeport, IL area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 610 changed +6.0% over the year to Q2 2026, compared with +6.0% for Illinois and +3.0% for the United States.
The region covers ZIP codes 61001–61091. Most of its 2010 population lived in Winnebago County (20%), Ogle County (17%), Boone County (16%). Communities in the region include Belvidere, Dixon, Sterling, Roscoe, Rochelle. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +6.0%
- 5-year change
- +52.9%
- Since Q1 1995
- +156%
- National rank (1 year)
- 145th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 610 vs Illinois and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 610: 256.4
- Illinois: 283.5
- Rockford, IL metro: 256.9
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 610 | IL | U.S. | Gap vs IL | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +6.0% | +6.0% | +3.0% | +0.0 pts | +3.0 pts |
| 3 years | +24.4% | +21.8% | +12.9% | +2.6 pts | +11.5 pts |
| 5 years | +52.9% | +46.9% | +41.3% | +6.0 pts | +11.6 pts |
| 10 years | +90.2% | +75.6% | +93.3% | +14.6 pts | −3.2 pts |
| Since Q1 1995 | +156% | +184% | +292% | −27.1 pts | −135.1 pts |
If you bought in ZIP3 610 in…
Applying the regional index change from the same quarter of each year to Q2 2026 to an example $300,000 purchase price. Individual homes can differ widely from the regional average.
| Bought in | Index change | $300,000 then, at the regional rate |
|---|---|---|
| Q2 1995 | +155% | $763,533 |
| Q2 2000 | +120% | $660,082 |
| Q2 2005 | +79.4% | $538,283 |
| Q2 2010 | +82.0% | $545,962 |
| Q2 2015 | +94.5% | $583,436 |
| Q2 2020 | +68.8% | $506,525 |
| Q2 2021 | +52.9% | $458,657 |
| Q2 2023 | +24.3% | $373,047 |
| Q2 2025 | +6.0% | $318,060 |
How ZIP3 610 ranks
Over the past year ZIP3 610 ranks 145th of 882 3-digit ZIP regions nationally and 15th of 29 in Illinois. Its one-year change is +3.0 pts versus the nation and +0.0 pts versus Illinois. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Illinois |
|---|---|---|
| 1 year | 145th of 882 | 15th of 29 |
| 3 years | 52nd of 882 | 4th of 29 |
| 5 years | 175th of 882 | 2nd of 29 |
| 10 years | 452nd of 882 | 3rd of 29 |
| Since Q1 1995 | 863rd of 879 | 23rd of 29 |
Boom, bust, and recovery in ZIP3 610
ZIP3 610's index peaked in Q1 2008, fell 19.3% to its low in Q4 2013, and regained its peak in Q4 2020, about 12.8 years after the top. Today it sits +65.4% versus that 2000s peak. How every state and ZIP region fared
| Area | 2000s peak | Low point | Peak to low | Back to peak | Today vs peak |
|---|---|---|---|---|---|
| ZIP3 610 | Q1 2008 | Q4 2013 | -19.3% | Q4 2020 (12.8 yrs) | +65.4% |
| IL | Q1 2007 | Q2 2012 | -21.8% | Q2 2021 (14.2 yrs) | +51.8% |
| Metro | Q2 2007 | Q4 2013 | -25.8% | Q2 2021 (14 yrs) | +68.6% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 610's index has changed +15.8% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 610 after inflation | IL after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +2.1% | +2.0% | +4.1% | -0.8% |
| 3 years | +9.8% | +13.2% | +10.9% | +16.9% | +2.8% |
| 5 years | +24.0% | +23.3% | +18.4% | +32.0% | +13.9% |
| 10 years | +39.1% | +36.7% | +26.3% | +52.6% | +39.0% |
| Since Q1 1995 | +121% | +15.8% | +28.0% | +16.0% | +76.8% |
Estimate appreciation for a home in ZIP3 610
Regional estimate
$570,456
- Estimated gain
- $270,456
- Index change
- +90.15%
- Start index
- 134.85
- End index
- 256.42
ZIP3 610 (Freeport, IL area), Q2 2016 to Q2 2026. Index type: Native 3-Digit ZIP index.
Nearby 3-digit ZIP regions
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 |
|---|---|---|---|---|
| 611 · Rockford, IL area | IL | +10.0% | +70.1% | +159% |
| 535 · Janesville, WI area | WI | +5.2% | +50.9% | +256% |
| 613 · Ottawa, IL area | IL | +0.9% | +46.4% | +163% |
| 537 · Madison, WI area | WI | +4.0% | +50.5% | +308% |
| 601 · Elgin, IL area | IL | +6.8% | +49.8% | +185% |
| 605 · Aurora, IL area | IL | +4.7% | +47.8% | +200% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 256.42 |
| Q1 2026 | 248.09 |
| Q4 2025 | 243.88 |
| Q3 2025 | 247.08 |
| Q2 2025 | 241.86 |
| Q1 2025 | 230.21 |
| Q4 2024 | 232.51 |
| Q3 2024 | 224.66 |
| Q2 2024 | 221.93 |
| Q1 2024 | 213.54 |
| Q4 2023 | 211.95 |
| Q3 2023 | 210.91 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 610?
- Based on FHFA HPI® data for 3-digit ZIP region 610, the regional index changed +6.0% over the year to Q2 2026, +52.9% over five years, +90.2% over ten years, and +156% since Q1 1995.
- Is ZIP3 610 appreciating faster than Illinois and the U.S.?
- Over the past year the region's index +6.0% compares with +6.0% for Illinois and +3.0% for the U.S., a gap of +3.0 pts versus the nation. Over five years the gap versus the nation is +11.6 pts.
- Which ZIP codes are in 3-digit ZIP region 610?
- All ZIP codes that begin with 610. Census 2010 ZIP Code Tabulation Areas in this region run from 61001 to 61091 (66 areas). FHFA publishes one index for the whole 3-digit region, not for each 5-digit ZIP code.
- Can I use this to value my home?
- No. The FHFA HPI® is a broad regional index of average price movement. It is not an appraisal, tax assessment, or automated valuation of any individual property. Use it as general context alongside local sales and a professional opinion.