3-digit ZIP regional index
Home appreciation in ZIP codes 611xxRockford, IL area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 611 changed +10.0% over the year to Q2 2026, compared with +6.0% for Illinois and +3.0% for the United States.
The region covers ZIP codes 61101–61115. Most of its 2010 population lived in Winnebago County (99%). Communities in the region include Machesney Park, Loves Park, Cherry Valley, New Milford. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +10.0%
- 5-year change
- +70.1%
- Since Q1 1995
- +159%
- National rank (1 year)
- 10th
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 611 vs Illinois and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 611: 258.7
- 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 611 | IL | U.S. | Gap vs IL | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +10.0% | +6.0% | +3.0% | +4.0 pts | +6.9 pts |
| 3 years | +33.0% | +21.8% | +12.9% | +11.2 pts | +20.1 pts |
| 5 years | +70.1% | +46.9% | +41.3% | +23.2 pts | +28.8 pts |
| 10 years | +122% | +75.6% | +93.3% | +46.2 pts | +28.5 pts |
| Since Q1 1995 | +159% | +184% | +292% | −24.8 pts | −132.8 pts |
If you bought in ZIP3 611 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 | +156% | $768,763 |
| Q2 2000 | +131% | $694,293 |
| Q2 2005 | +87.8% | $563,376 |
| Q2 2010 | +92.5% | $577,631 |
| Q2 2015 | +129% | $685,525 |
| Q2 2020 | +92.2% | $576,601 |
| Q2 2021 | +70.1% | $510,201 |
| Q2 2023 | +33.0% | $398,982 |
| Q2 2025 | +10.0% | $329,899 |
How ZIP3 611 ranks
Over the past year ZIP3 611 ranks 10th of 882 3-digit ZIP regions nationally and 3rd of 29 in Illinois. Its one-year change is +6.9 pts versus the nation and +4.0 pts versus Illinois. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Illinois |
|---|---|---|
| 1 year | 10th of 882 | 3rd of 29 |
| 3 years | 1st of 882 | 1st of 29 |
| 5 years | 4th of 882 | 1st of 29 |
| 10 years | 87th of 882 | 1st of 29 |
| Since Q1 1995 | 860th of 879 | 21st of 29 |
Boom, bust, and recovery in ZIP3 611
ZIP3 611's index peaked in Q2 2007, fell 27.0% to its low in Q4 2014, and regained its peak in Q2 2021, about 14 years after the top. Today it sits +71.8% 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 611 | Q2 2007 | Q4 2014 | -27.0% | Q2 2021 (14 yrs) | +71.8% |
| 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 611's index has changed +16.9% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 611 after inflation | IL after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +5.9% | +2.0% | +4.1% | -0.8% |
| 3 years | +9.8% | +21.1% | +10.9% | +16.9% | +2.8% |
| 5 years | +24.0% | +37.1% | +18.4% | +32.0% | +13.9% |
| 10 years | +39.1% | +59.5% | +26.3% | +52.6% | +39.0% |
| Since Q1 1995 | +121% | +16.9% | +28.0% | +16.0% | +76.8% |
Estimate appreciation for a home in ZIP3 611
Regional estimate
$665,369
- Estimated gain
- $365,369
- Index change
- +122%
- Start index
- 116.66
- End index
- 258.74
ZIP3 611 (Rockford, 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 |
|---|---|---|---|---|
| 610 · Freeport, IL area | IL | +6.0% | +52.9% | +156% |
| 535 · Janesville, WI area | WI | +5.2% | +50.9% | +256% |
| 601 · Elgin, IL area | IL | +6.8% | +49.8% | +185% |
| 600 · Waukegan, IL area | IL | +5.6% | +49.5% | +168% |
| 537 · Madison, WI area | WI | +4.0% | +50.5% | +308% |
| 531 · Kenosha, WI area | WI | +6.6% | +52.2% | +248% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 258.74 |
| Q1 2026 | 245.60 |
| Q4 2025 | 242.63 |
| Q3 2025 | 243.89 |
| Q2 2025 | 235.29 |
| Q1 2025 | 230.29 |
| Q4 2024 | 223.87 |
| Q3 2024 | 222.82 |
| Q2 2024 | 218.08 |
| Q1 2024 | 209.57 |
| Q4 2023 | 206.08 |
| Q3 2023 | 203.20 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 611?
- Based on FHFA HPI® data for 3-digit ZIP region 611, the regional index changed +10.0% over the year to Q2 2026, +70.1% over five years, +122% over ten years, and +159% since Q1 1995.
- Is ZIP3 611 appreciating faster than Illinois and the U.S.?
- Over the past year the region's index +10.0% compares with +6.0% for Illinois and +3.0% for the U.S., a gap of +6.9 pts versus the nation. Over five years the gap versus the nation is +28.8 pts.
- Which ZIP codes are in 3-digit ZIP region 611?
- All ZIP codes that begin with 611. Census 2010 ZIP Code Tabulation Areas in this region run from 61101 to 61115 (11 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.