Español

Este sitio también está en español. Leer en español

City · 42,197 residents · Rock Island County, Illinois

Moline , Illinois

In Moline, a typical home is worth $146,300 and typical rent is $900 a month. Home values, rent and income are very close to those of all of Rock Island County.

WhatsApp

  • Typical home value

    $146,300

    3% below the county

    44% below Illinois

    • Moline
    • Rock Island
    • Illinois

  • Typical rent

    $900a month

    About the same as the county

    29% below Illinois

    • Moline
    • Rock Island
    • Illinois

  • Typical household income

    $67,701a year

    About the same as the county

    19% below Illinois

    • Moline
    • Rock Island
    • Illinois

  • Households that own their home

    67%

    2 points below the county

    About the same as Illinois

    • Moline
    • Rock Island
    • Illinois

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$150,080
3.2% more than 12 months ago
Typical rent
$1,090 a month
2.8% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Moline is in Rock Island County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Rock Island County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Moline apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Milan, the typical home value is $119,300: 18% less than in Moline ($146,300).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Moline

What homes there are in Moline, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Moline, 7 in 10 homes are single-family detached houses, about the same as in Rock Island County.

Year built

In Moline, half of the homes were built before 1956; in Rock Island County, before 1962.

There are fewer big homes in Moline than in Rock Island County: 51% have 3 bedrooms or more, against 56%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

With an FHA limit of $541,287, at least 99% of owner-occupied homes in Moline sit below it: they are worth less than $500,000.

Monthly rent with utilities

About 64% of rented homes in Moline cost less than HUD's 2-bedroom fair market rent for Rock Island County ($1,056); the rest cost more.

With a mortgage

$1,293 a month

Rock Island County: $1,360 a month

Without a mortgage

$634 a month

Rock Island County: $614 a month

Owners with a mortgage

60%

Rock Island County: 58%

Owning costs about the same in Moline as in Rock Island County: with a mortgage, $1,293 a month; without one, $634.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Moline rose 22%; in Rock Island County, it rose 26%.

Much as in Rock Island County, the typical rent in Moline rose 17% since 2015–2019.

While home values in Moline changed +22% and rent +17%, the typical household income rose 24%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureMolineRock Island CountyIllinoisUnited States
Rental vacancy 4.9%6.4%5.0%5.5%
Homeowner vacancy Unreliable estimate0.7%1.0%0.9%
More than one person per room Unreliable estimate1.7%2.5%3.4%
People per household 2.292.232.462.53
Drive alone 75%77%66%69%
Carpool 11%9%8%9%
Public transit 2%1%6%3%
Walk or bike 2%3%3%3%
Work from home 10%9%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Moline is 4.9%, lower than in Rock Island County (6.4%).

A household in Moline has 2.29 people on average, about the same as in Rock Island County (2.23).

The car rules in Moline: 75% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Moline?

A typical home is within reach of the typical income

We start with a typical home in Moline, worth $146,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 24% of the typical household income in Moline, which is $67,701 a year.

The calculator's FHA and conventional loan limits are those of all of Rock Island County.

Your numbers

Local data
$

Starts at the typical home value in Moline. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $5,121 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,372

at 7.18% · 30 years

Loan amount
$143,650
Total interest
$206,678
Paid off in
November 2056

Includes $2,471 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,580 a month

    Your payment · 24%

  • Tight

    $1,580 to $2,031 a month

  • Hard

    more than $2,031 a month

Compared with the typical household income in Moline ($67,701 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,372
Principal & interest$973
Property tax$273
Home insurance$61
FHA mortgage insurance (MIP)$65

You need at least $5,121 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Moline and Rock Island County

Moline is in Rock Island County, Illinois. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Moline's own numbers

Typical home value
$146,300
Typical monthly rent
$900
Typical yearly household income
$67,701
Households that own their home
67%
Effective property tax rate
2.24%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Rock Island County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,056
Price change over 5 years (FHFA)
+40%
Homes in a high flood-risk zone
4.9%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Rock Island County.

Everything about Rock Island County

Buying

Buying a home in Moline

A typical home in Moline is worth $146,300: 3% below the county and 44% below Illinois. With the typical household income in Moline ($67,701 a year), a typical home costs 2.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Moline 2.2 years
  • Rock Island 2.2 years
  • Illinois 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Rock Island County

According to FHFA’s house price index, home prices in Rock Island County rose 53% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Rock Island County.

Period County Illinois U.S.
Last year (2025) +3.2% +5.7% +2.9%
5 years (2020–2025) +40% +47% +47%
10 years (2015–2025) +53% +65% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Moline next to Rock Island County, Illinois and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Moline $146,300
  • Rock Island $150,400
  • Illinois $263,300
  • United States $332,700
Typical monthly rent
  • Moline $900
  • Rock Island $889
  • Illinois $1,274
  • United States $1,413
Typical yearly household income
  • Moline $67,701
  • Rock Island $67,159
  • Illinois $83,390
  • United States $80,734
See the full table
Moline next to Rock Island County and Illinois
Measure Moline Rock Island County Illinois U.S.
Typical home value $146,300 $150,400 $263,300 $332,700
Typical monthly rent $900 $889 $1,274 $1,413
Typical yearly household income $67,701 $67,159 $83,390 $80,734
Households that own their home 67% 70% 67% 65%
Typical yearly property tax $3,272 $3,425 $5,298 $3,119
Effective property tax rate 2.24% 2.28% 2.01% 0.94%
Renters with high rent for their income 46% 48% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Rock Island County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Moline

For a typical $146,300 home in Moline, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Moline's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,372a month

    Least cash to close
    Down payment
    $5,121
    Cash to close
    $9,510
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $65

  • Conventional, 5% down $1,345a month

    Down payment
    $7,315
    Cash to close
    $11,704
    Rate
    7.18%
    Mortgage insurance
    PMI · $69

  • Conventional, 20% down, no PMI $1,127a month

    Down payment
    $29,260
    Cash to close
    $33,649
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,262a month

    Down payment
    $21,945
    Cash to close
    $26,334
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Moline and for Rock Island County.

Property tax

Effective rate in Moline

2.24%of the home’s value each year

$3,272 a year for the typical owner in Moline.

  • Moline 2.24%
  • Rock Island 2.28%
  • Illinois 2.01%

What Illinois publishes General Homestead Exemption (Illinois Department of Revenue)

Exemptions and deadlines in Illinois

Flood risk in Rock Island County

FEMA does not publish these numbers by city: they are for all of Rock Island County.

Homes in the high-risk zone
4.9%
2,585
Of those, with NFIP insurance
24%
County Illinois U.S.
Homes in the high-risk zone 4.9% 1.5% 3.5%
Of those, with NFIP insurance 24% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Moline

Typical rent in Moline is $900 a month: about the same as the county. In Moline, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Rock Island County, by unit size. To pay the 2-bedroom one ($1,056 a month) without spending more than 30% of your income, you would need to earn $20.31 an hour working full time.

HUD fair market rent for all of Rock Island County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $787 $15.13 $31,480
1 bedroom $852 $16.38 $34,080
2 bedrooms $1,056 $20.31 $42,240
3 bedrooms $1,396 $26.85 $55,840
4 bedrooms $1,697 $32.63 $67,880

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Moline

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Moline is in ZIP code 61265.

For 2 bedrooms it is $1,050: $6 less than the fair market rent for Rock Island County ($1,056).

  • 61265 $1,050$1,390

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Moline when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Moline

HUD lists 14 buildings with rents for lower incomes in Moline. These are the largest.

  • Spring Brook/Spring Valley 1150 41st St, Moline 61265 366 low-income homes · Run by Moline Housing Authority · Average payment: $368 a month · Average wait: 10 months (309) 764-1819
  • Pheasant Ridge Apts 3500 70th St, Moline 61265 216 low-income homes · 1 bd: 72 · 2 bd: 144 · In service since 2005
  • Valley View Apts Phase I 4700 60th ST, Moline 61265 192 low-income homes · 1 bd: 64 · 2 bd: 80 · 3 bd: 48 · In service since 2009
  • Hillside Heights 825 17th St, Moline 61265 120 low-income homes · Run by Moline Housing Authority · Average payment: $337 a month · Average wait: 11 months (309) 764-1819
  • Le Clair Apts 421 19th St, Moline 61265 110 low-income homes · 1 bd: 39 · 2 bd: 68 · 3 bd: 3 · In service since 1995 · For people with disabilities, families

See all 48 buildings in Rock Island County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Moline

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Rock Island County; none says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Moline

No down payment, repair or rent-help program on our list is for Moline or Rock Island County. The ones below are statewide in Illinois: they work in Moline the same as in the rest of the state.

Which programs do I qualify for? All programs in Illinois

  • IHDAccess Home

    Statewide in Illinois

    Limited funds remain, per the source

    IHDA second loan with deferred payments for first-time buyers in Illinois. Offered by Illinois Housing Development Authority (IHDA).

    Deferred

    See the program Official page

  • IHDAccess Forgivable

    Statewide in Illinois

    Limited funds remain, per the source

    IHDA second loan forgiven little by little over ten years, for the down payment in Illinois. Offered by Illinois Housing Development Authority (IHDA).

    Forgivable

    See the program Official page

  • IHDAccess Deferred

    Statewide in Illinois

    Limited funds remain, per the source

    IHDA second loan with no payments until you sell or refinance, for the down payment in Illinois. Offered by Illinois Housing Development Authority (IHDA).

    Deferred

    See the program Official page

Housing counselors near Moline

The HUD-approved agencies closest to the center of Moline, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Economic Growth Corporation

    371 3rd St W, Milan · 5 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (309) 788-6311

  • Metec

    2605 W Krause Ave, Peoria · 72 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (309) 676-3832

  • Navicore Solutions- Peoria, IL

    416 Main St, Peoria · 72 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (866) 472-4557

Every agency in Rock Island County All counseling agencies in Illinois

Help in Spanish near Moline

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Moline

HUD’s record names them for Moline or Rock Island County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Moline Housing Authority Public housing and Section 8 vouchers (309) 764-1819
  • Grtr Metro. Area Hsng Auth of Rock Island County Public housing and Section 8 vouchers (309) 755-4527

One other authority has an office in Rock Island County: see the list Source: HUD

Cities

Other cities in Rock Island County

These cities are also in Rock Island County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Rock Island County Housing in Illinois

Nearby cities

The cities closest to Moline, with the typical home value.

Neighboring counties

If Rock Island County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Moline.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Moline

Short answers with the numbers for Moline and all of Rock Island County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Moline?

The typical home value in Moline is $146,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Rock Island County it is $150,400.

How much does it cost to rent in Moline?

Typical rent in Moline is $900 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Rock Island County is $1,056.

What is the FHA loan limit in Moline?

Moline uses the FHA limit for all of Rock Island County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Moline?

The typical homeowner in Moline pays $3,272 a year, according to the U.S. Census Bureau. That is 2.24% of the home’s value; in Rock Island County, the rate is 2.28%.

Where can I find free help to buy or rent in Moline?

There is 1 HUD-approved counseling agency with an office in Rock Island County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).