In Rochelle, a typical home is worth $164,300 and typical rent is $985 a month. Compared with all of Ogle County, typical household income is 19% lower, the typical home value is 13% lower, and the share of households that own their home is 22 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $164,097 to $204,799.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Rochelle is in Ogle 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 Ogle County. See the county
What this place has that others do not, from public data, most unusual first.
1
53% of households in Rochelle own their home, against 75% in Ogle County.
2
Nearby, in Dixon, the typical home value is $120,800: 26% less than in Rochelle ($164,300).
3
The typical household income in Rochelle is $66,307,19% less than in Ogle County as a whole ($82,132).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Rochelle
What homes there are in Rochelle, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Rochelle
Ogle County
Illinois
United States
Kind of home: Rochelle and its comparisons
Measure
Rochelle
Ogle County
Illinois
United States
Detached house
65%
83%
58%
61%
Attached house
8%
2%
6%
6%
Building of 2 to 4
8%
5%
12%
8%
Apartments (5 or more)
20%
7%
22%
19%
Mobile home
Unreliable estimate
3%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Rochelle, but it weighs less than in Ogle County: 65% against 83%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Rochelle
Ogle County
Illinois
United States
Year built: Rochelle and its comparisons
Measure
Rochelle
Ogle County
Illinois
United States
Before 1960
31%
35%
38%
26%
1960–1979
36%
28%
26%
24%
1980–1999
25%
21%
20%
25%
2000–2009
7%
12%
11%
14%
2010 or later
Unreliable estimate
4%
6%
11%
The typical year built in Rochelle is 1971, about the same as in Ogle County (1972).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K54%
$200K–$300K31%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Rochelle and its comparisons
Measure
Rochelle
Under $100K
Unreliable estimate
$100K–$200K
54%
$200K–$300K
31%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99942%
$1,000–$1,49939%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Rochelle and its comparisons
Measure
Rochelle
Under $500
Unreliable estimate
$500–$999
42%
$1,000–$1,499
39%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,345 a month
Ogle County: $1,533 a month
Without a mortgage
$635 a month
Ogle County: $672 a month
Owners with a mortgage
52%
Ogle County: 58%
Owning costs less in Rochelle: with a mortgage, the typical cost is $1,345 a month; in Ogle County, $1,533. Without one, $635.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Rochelle+44%
Ogle County+29%
Illinois+35%
United States+53%
Typical rent
Rochelle+26%
Ogle County+26%
Illinois+26%
United States+33%
Typical household income
Rochelle+35%
Ogle County+35%
Illinois+27%
United States+29%
Change since 2015–2019: Rochelle and its comparisons
Measure
Rochelle
Ogle County
Illinois
United States
Typical home value
+44%
+29%
+35%
+53%
Typical rent
+26%
+26%
+26%
+33%
Typical household income
+35%
+35%
+27%
+29%
The typical home value in Rochelle rose 44% since 2015–2019, more than in Ogle County (29%).
Rents in Rochelle rose at about the same pace as in Ogle County: 26% since 2015–2019, against 26%.
While home values in Rochelle changed +44% and rent +26%, the typical household income rose 35%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Rochelle and its comparisons
Measure
Rochelle
Ogle County
Illinois
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.0%
0.9%
More than one person per room
Unreliable estimate
1.5%
2.5%
3.4%
People per household
2.50
2.45
2.46
2.53
Drive alone
85%
81%
66%
69%
Carpool
6%
8%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
6%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
6%
8%
16%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Ogle County, a household in Rochelle has 2.50 people on average.
To get to work, 85% of workers in Rochelle drive alone; in Ogle County, 81%.
Do the math
What would you pay each month for a home in Rochelle?
A typical home is within reach of the typical income
We start with a typical home in Rochelle, worth $164,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Rochelle, which is $66,307 a year.
The calculator's FHA and conventional loan limits are those of all of Ogle County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Rochelle. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $5,751 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,533
at 7.18% · 30 years
Loan amount
$161,324
Total interest
$232,107
Paid off in
November 2056
Includes $2,775 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,547 a month
Your payment · 28%
Tight
$1,547 to $1,989 a month
Hard
more than $1,989 a month
Compared with the typical household income in Rochelle ($66,307 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,093
Property tax
$299
Home insurance
$69
FHA mortgage insurance (MIP)
$73
You need at least $5,751 for the down payment, plus closing costs.
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.
Total monthly payment $1,533; principal and interest $1,093.
The city and its county
Rochelle and Ogle County
Rochelle is in Ogle 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).
Rochelle
Map of Ogle County, Illinois, with Rochelle marked. Around it, the neighboring counties.
Rochelle
Ogle County
Other cities with a page
Rochelle's own numbers
Typical home value
$164,300
Typical monthly rent
$985
Typical yearly household income
$66,307
Households that own their home
53%
Effective property tax rate
2.18%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Ogle County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,080
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
2.4%
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 Ogle County.
A typical home in Rochelle is worth $164,300: 13% below the county and 38% below Illinois. With the typical household income in Rochelle ($66,307 a year), a typical home costs 2.5 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.
Rochelle2.5 years
Ogle2.3 years
Illinois3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Ogle County
According to FHFA’s house price index, home prices in Ogle County rose 73% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Ogle County.
Yearly change in FHFA’s price index in Ogle County, 2016 to 2025
2016: +2.5% +2.5% 2016
2017: +3.5% +3.5% 2017
2018: +2.7% +2.7% 2018
2019: +3.9% +3.9% 2019
2020: −0.4% −0.4% 2020
2021: +11.0% +11.0% 2021
2022: +12.0% +12.0% 2022
2023: +6.4% +6.4% 2023
2024: +8.8% +8.8% 2024
2025: +6.9% +6.9% 2025
Change in FHFA’s price index in Ogle County, Illinois and the United States
Period
County
Illinois
U.S.
Last year (2025)
+6.9%
+5.7%
+2.9%
5 years (2020–2025)
+54%
+47%
+47%
10 years (2015–2025)
+73%
+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
Rochelle next to Ogle 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
Rochelle$164,300
Ogle$189,200
Illinois$263,300
United States$332,700
Typical monthly rent
Rochelle$985
Ogle$936
Illinois$1,274
United States$1,413
Typical yearly household income
Rochelle$66,307
Ogle$82,132
Illinois$83,390
United States$80,734
See the full table
Rochelle next to Ogle County and Illinois
Measure
Rochelle
Ogle County
Illinois
U.S.
Typical home value
$164,300 ▼13% below the county
$189,200
$263,300
$332,700
Typical monthly rent
$985 ▲5% above the county
$936
$1,274
$1,413
Typical yearly household income
$66,307 ▼19% below the county
$82,132
$83,390
$80,734
Households that own their home
53% ▼22 points below the county
75%
67%
65%
Typical yearly property tax
$3,589 ▼8% below the county
$3,889
$5,298
$3,119
Effective property tax rate
2.18% ▲0.12 points above the county
2.06%
2.01%
0.94%
Renters with high rent for their income
45% ▲7 points above the county
38%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ogle 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 Rochelle
For a typical $164,300 home in Rochelle, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rochelle's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,532a month
Least cash to close
Down payment
$5,751
Cash to close
$10,680
Rate
7.18%
Mortgage insurance
FHA MIP · $73
Conventional, 5% down$1,502a month
Down payment
$8,215
Cash to close
$13,144
Rate
7.18%
Mortgage insurance
PMI · $78
Conventional, 20% down, no PMI$1,257a month
Down payment
$32,860
Cash to close
$37,789
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,409a month
Down payment
$24,645
Cash to close
$29,574
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Rochelle
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,532
$5,751
$161,324
7.18%
FHA MIP · $73
$10,680
580
Conventional, 5% down
$1,502
$8,215
$156,085
7.18%
PMI · $78
$13,144
620*
Conventional, 20% down, no PMI
$1,257
$32,860
$131,440
7.18%
None
$37,789
620*
ITIN, 15% down (example)
$1,409
$24,645
$139,655
8.18%
None
$29,574
Set by the lender
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.
Typical rent in Rochelle is $985 a month: 5% above the county. In Rochelle, 45% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Ogle County, by unit size. To pay the 2-bedroom one ($1,080 a month) without spending more than 30% of your income, you would need to earn $20.77 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Ogle County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$752
$14.46
$30,080
1 bedroom
$826
$15.88
$33,040
2 bedrooms
$1,080
$20.77
$43,200
3 bedrooms
$1,291
$24.83
$51,640
4 bedrooms
$1,649
$31.71
$65,960
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 Rochelle
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rochelle is in ZIP code 61068.
For 2 bedrooms it is $1,240: $160 more than the fair market rent for Ogle County ($1,080).
Fair market rent by ZIP code and size in Rochelle, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
61068
$860
$950
$1,240
$1,650
$1,990
ZIP code2 bd3 bd
61068 $1,240$1,650
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Rochelle 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
We found no HUD-approved agencies with an office in Ogle County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Rochelle or Ogle County. The ones below are statewide in Illinois: they work in Rochelle the same as in the rest of the state.
IHDA second loan with no payments until you sell or refinance, for the down payment in Illinois.Offered by Illinois Housing Development Authority (IHDA).
No legal help resource on our list is for Rochelle or Ogle County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Rochelle and all of Ogle 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 Rochelle?
The typical home value in Rochelle is $164,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ogle County it is $189,200.
How much does it cost to rent in Rochelle?
Typical rent in Rochelle is $985 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ogle County is $1,080.
What is the FHA loan limit in Rochelle?
Rochelle uses the FHA limit for all of Ogle 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 Rochelle?
The typical homeowner in Rochelle pays $3,589 a year, according to the U.S. Census Bureau. That is 2.18% of the home’s value; in Ogle County, the rate is 2.06%.
Where can I find free help to buy or rent in Rochelle?
We found no HUD-approved counseling agencies with an office in Ogle County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
