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City · 10,706 residents · Winnebago County, Illinois

Roscoe , Illinois

In Roscoe, a typical home is worth $227,800 and typical rent is $1,437 a month. Compared with all of Winnebago County, typical household income is 41% higher, typical rent is 41% higher, and the share of households that own their home is 5 points higher.

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  • Typical home value

    $227,800

    38% above the county

    13% below Illinois

    • Roscoe
    • Winnebago
    • Illinois

  • Typical rent

    $1,437a month

    41% above the county

    13% above Illinois

    • Roscoe
    • Winnebago
    • Illinois

  • Typical household income

    $93,036a year

    41% above the county

    12% above Illinois

    • Roscoe
    • Winnebago
    • Illinois

  • Households that own their home

    71%

    5 points above the county

    4 points above Illinois

    • Roscoe
    • Winnebago
    • Illinois

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

Market now, with Zillow data

Zillow data
Typical home value
$315,610
8.2% more than 12 months ago
Typical rent
$1,646 a month

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

Roscoe is in Winnebago 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 Winnebago County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Roscoe apart

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

  1. Nearby, in Rockton, the typical rent is $914: 36% less than in Roscoe ($1,437).

  2. The typical household income in Roscoe is $93,036, 41% more than in Winnebago County as a whole ($65,837).

  3. The typical rent in Roscoe is $1,437 a month, 41% more than in Winnebago County as a whole ($1,021).

  4. The typical home in Roscoe is worth $227,800, 38% more than in Winnebago County as a whole ($164,500).

  5. Nearby, in Loves Park, the typical home value is $160,400: 30% less than in Roscoe ($227,800).

  6. 71% of households in Roscoe own their home, against 66% in Winnebago County.

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

The homes here

Housing in Roscoe

What homes there are in Roscoe, 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 houses are the majority in Roscoe (67%), but less so than in Winnebago County (70%).

Year built

Homes in Roscoe are newer: the typical year built is 2001; in Winnebago County, 1971.

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
Monthly rent with utilities

With a mortgage

$1,652 a month

Winnebago County: $1,411 a month

Without a mortgage

$791 a month

Winnebago County: $635 a month

Owners with a mortgage

68%

Winnebago County: 58%

In Roscoe, 68% of owners have a mortgage, and their typical cost is $1,652 a month, against $1,411 in Winnebago County. Without one it drops to $791.

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 Roscoe rose 40%; in Winnebago County, it rose 37%.

Rents in Roscoe rose at about the same pace as in Winnebago County: 30% since 2015–2019, against 28%.

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

MeasureRoscoeWinnebago CountyIllinoisUnited States
Rental vacancy Unreliable estimate4.6%5.0%5.5%
Homeowner vacancy Unreliable estimate1.0%1.0%0.9%
More than one person per room Unreliable estimate1.9%2.5%3.4%
People per household 2.542.412.462.53
Drive alone 77%77%66%69%
Carpool 5%10%8%9%
Public transit Unreliable estimate1%6%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 16%10%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Roscoe are bigger: 2.54 people on average; in Winnebago County, 2.41.

Working from home is more common in Roscoe: 16%, against 10% in Winnebago County.

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 Roscoe?

A typical home is tight for the typical income

We start with a typical home in Roscoe, worth $227,800, 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 Roscoe, which is $93,036 a year. For that payment to be 28% of income, a household would need to earn about $93,583 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Roscoe. 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 $7,973 (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

$2,184

at 7.18% · 30 years

Loan amount
$223,674
Total interest
$321,814
Paid off in
November 2056

Includes $3,847 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,171 a month

  • Tight

    $2,171 to $2,791 a month

    Your payment · 28%

  • Hard

    more than $2,791 a month

Compared with the typical household income in Roscoe ($93,036 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,184
Principal & interest$1,515
Property tax$473
Home insurance$95
FHA mortgage insurance (MIP)$101

You need at least $7,973 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

Roscoe and Winnebago County

Roscoe is in Winnebago 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).

Roscoe's own numbers

Typical home value
$227,800
Typical monthly rent
$1,437
Typical yearly household income
$93,036
Households that own their home
71%
Effective property tax rate
2.49%

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

Numbers for all of Winnebago County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,172
Price change over 5 years (FHFA)
+68%
Homes in a high flood-risk zone
2%

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 Winnebago County.

Everything about Winnebago County

Buying

Buying a home in Roscoe

A typical home in Roscoe is worth $227,800: 38% above the county and 13% below Illinois. With the typical household income in Roscoe ($93,036 a year), a typical home costs 2.4 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.

  • Roscoe 2.4 years
  • Winnebago 2.5 years
  • Illinois 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Winnebago County

According to FHFA’s house price index, home prices in Winnebago County rose 100% in the 10 years through 2025.

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

Period County Illinois U.S.
Last year (2025) +7.6% +5.7% +2.9%
5 years (2020–2025) +68% +47% +47%
10 years (2015–2025) +100% +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

Roscoe next to Winnebago 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
  • Roscoe $227,800
  • Winnebago $164,500
  • Illinois $263,300
  • United States $332,700
Typical monthly rent
  • Roscoe $1,437
  • Winnebago $1,021
  • Illinois $1,274
  • United States $1,413
Typical yearly household income
  • Roscoe $93,036
  • Winnebago $65,837
  • Illinois $83,390
  • United States $80,734
See the full table
Roscoe next to Winnebago County and Illinois
Measure Roscoe Winnebago County Illinois U.S.
Typical home value $227,800 $164,500 $263,300 $332,700
Typical monthly rent $1,437 $1,021 $1,274 $1,413
Typical yearly household income $93,036 $65,837 $83,390 $80,734
Households that own their home 71% 66% 67% 65%
Typical yearly property tax $5,666 $3,930 $5,298 $3,119
Effective property tax rate 2.49% 2.39% 2.01% 0.94%
Renters with high rent for their income 47% 50% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Winnebago 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 Roscoe

For a typical $227,800 home in Roscoe, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Roscoe's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,184a month

    Least cash to close
    Down payment
    $7,973
    Cash to close
    $14,807
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $101

  • Conventional, 5% down $2,142a month

    Down payment
    $11,390
    Cash to close
    $18,224
    Rate
    7.18%
    Mortgage insurance
    PMI · $108

  • Conventional, 20% down, no PMI $1,802a month

    Down payment
    $45,560
    Cash to close
    $52,394
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,013a month

    Down payment
    $34,170
    Cash to close
    $41,004
    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 Roscoe and for Winnebago County.

Property tax

Effective rate in Roscoe

2.49%of the home’s value each year

$5,666 a year for the typical owner in Roscoe.

  • Roscoe 2.49%
  • Winnebago 2.39%
  • Illinois 2.01%

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

Exemptions and deadlines in Illinois

Flood risk in Winnebago County

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

Homes in the high-risk zone
2%
2,020
Of those, with NFIP insurance
25%
County Illinois U.S.
Homes in the high-risk zone 2% 1.5% 3.5%
Of those, with NFIP insurance 25% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Roscoe

Typical rent in Roscoe is $1,437 a month: 41% above the county. In Roscoe, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Winnebago County, by unit size. To pay the 2-bedroom one ($1,172 a month) without spending more than 30% of your income, you would need to earn $22.54 an hour working full time.

HUD fair market rent for all of Winnebago 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 $816 $15.69 $32,640
1 bedroom $896 $17.23 $35,840
2 bedrooms $1,172 $22.54 $46,880
3 bedrooms $1,542 $29.65 $61,680
4 bedrooms $1,578 $30.35 $63,120

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 Roscoe

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Roscoe is in ZIP code 61073.

For 2 bedrooms it is $1,570: $398 more than the fair market rent for Winnebago County ($1,172).

  • 61073 $1,570$2,070

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Roscoe 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?

Free help

Help to buy or rent in Roscoe

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 Winnebago County; 1 says it serves in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Roscoe

No down payment, repair or rent-help program on our list is for Roscoe or Winnebago County. The ones below are statewide in Illinois: they work in Roscoe 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 Roscoe

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

  • Region 1 Planning Council

    127 N Wyman St, Rockford · 11 miles away · Spanish

    • Budget and financial counseling
    • Pre-purchase counseling
    (815) 319-4462

  • Consumer Credit Counseling Services of Northern Illinois

    13707 W Jackson St, Woodstock · 29 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (815) 338-5757

  • Restoration America, Inc.

    101 N Main St Ste 14, Crystal Lake · 38 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (847) 783-0232

Every agency in Winnebago County All counseling agencies in Illinois

Help in Spanish near Roscoe

3 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 Roscoe

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

  • Winnebago County Housing Authority Public housing and Section 8 vouchers (815) 963-2133

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

Cities

Other cities in Winnebago County

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

Everything about Winnebago County Housing in Illinois

Nearby cities

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

Neighboring counties

If Winnebago 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 Roscoe.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Roscoe

Short answers with the numbers for Roscoe and all of Winnebago 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 Roscoe?

The typical home value in Roscoe is $227,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Winnebago County it is $164,500.

How much does it cost to rent in Roscoe?

Typical rent in Roscoe is $1,437 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Winnebago County is $1,172.

What is the FHA loan limit in Roscoe?

Roscoe uses the FHA limit for all of Winnebago 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 Roscoe?

The typical homeowner in Roscoe pays $5,666 a year, according to the U.S. Census Bureau. That is 2.49% of the home’s value; in Winnebago County, the rate is 2.39%.

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

There is 1 HUD-approved counseling agency with an office in Winnebago County. 1 says it serves in Spanish. 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).