City · 7,955 residents · Rock Island County, Illinois
Silvis, Illinois
In Silvis, a typical home is worth $161,600 and typical rent is $965 a month. Compared with all of Rock Island County, typical rent is 9% higher, the typical home value is 7% higher, and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $137,068 to $162,758.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Silvis 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
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: 26% less than in Silvis ($161,600).
2
58% of households in Silvis own their home, against 70% in Rock Island County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Silvis
What homes there are in Silvis, 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
Silvis
Rock Island County
Illinois
United States
Kind of home: Silvis and its comparisons
Measure
Silvis
Rock Island County
Illinois
United States
Detached house
57%
70%
58%
61%
Attached house
7%
4%
6%
6%
Building of 2 to 4
Unreliable estimate
7%
12%
8%
Apartments (5 or more)
Unreliable estimate
16%
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 Silvis, but it weighs less than in Rock Island County: 57% against 70%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Silvis
Rock Island County
Illinois
United States
Year built: Silvis and its comparisons
Measure
Silvis
Rock Island County
Illinois
United States
Before 1960
24%
46%
38%
26%
1960–1979
35%
30%
26%
24%
1980–1999
20%
13%
20%
25%
2000–2009
14%
6%
11%
14%
2010 or later
7%
4%
6%
11%
The typical home in Silvis was built in 1972, 10 years after the typical one in Rock Island County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K16%
$100K–$200K55%
$200K–$300K20%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Silvis and its comparisons
Measure
Silvis
Under $100K
16%
$100K–$200K
55%
$200K–$300K
20%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50023%
$500–$99933%
$1,000–$1,49936%
HUD fair market rent, 2 bedrooms: $1,056
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Silvis and its comparisons
Measure
Silvis
Under $500
23%
$500–$999
33%
$1,000–$1,499
36%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
HUD's 2-bedroom fair market rent (FMR) for Rock Island County is $1,056: about 59% of rents in Silvis are below it.
With a mortgage
$1,228 a month
Rock Island County: $1,360 a month
Without a mortgage
$595 a month
Rock Island County: $614 a month
Owners with a mortgage
57%
Rock Island County: 58%
The typical cost for an owner with a mortgage in Silvis is $1,228 a month, less than in Rock Island County ($1,360); without one, $595.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Silvis+37%
Rock Island County+26%
Illinois+35%
United States+53%
Typical rent
Silvis+21%
Rock Island County+19%
Illinois+26%
United States+33%
Typical household income
SilvisNo clear change
Rock Island County+22%
Illinois+27%
United States+29%
Change since 2015–2019: Silvis and its comparisons
Measure
Silvis
Rock Island County
Illinois
United States
Typical home value
+37%
+26%
+35%
+53%
Typical rent
+21%
+19%
+26%
+33%
Typical household income
No clear change
+22%
+27%
+29%
The typical home value in Silvis rose 37% since 2015–2019, more than in Rock Island County (26%).
Rents in Silvis rose at about the same pace as in Rock Island County: 21% since 2015–2019, against 19%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Silvis and its comparisons
Measure
Silvis
Rock Island County
Illinois
United States
Rental vacancy
Unreliable estimate
6.4%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
1.0%
0.9%
More than one person per room
Unreliable estimate
1.7%
2.5%
3.4%
People per household
1.90
2.23
2.46
2.53
Drive alone
77%
77%
66%
69%
Carpool
14%
9%
8%
9%
Public transit
Unreliable estimate
1%
6%
3%
Walk or bike
Unreliable estimate
3%
3%
3%
Work from home
Unreliable estimate
9%
16%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Households in Silvis are smaller: 1.90 people on average; in Rock Island County, 2.23.
In Silvis, 14% of workers share a car to get to work; in Rock Island County, 9%.
Do the math
What would you pay each month for a home in Silvis?
A typical home is tight for the typical income
We start with a typical home in Silvis, worth $161,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Silvis, which is $62,375 a year. For that payment to be 28% of income, a household would need to earn about $64,540 a year.
The calculator's FHA and conventional loan limits are those of all of Rock Island 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 Silvis. 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 $5,656 (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
$1,506
at 7.18% · 30 years
Loan amount
$158,673
Total interest
$228,293
Paid off in
November 2056
Includes $2,729 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,455 a month
Tight
$1,455 to $1,871 a month
Your payment · 29%
Hard
more than $1,871 a month
Compared with the typical household income in Silvis ($62,375 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,075
Property tax
$292
Home insurance
$67
FHA mortgage insurance (MIP)
$71
You need at least $5,656 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 $1,506; principal and interest $1,075.
The city and its county
Silvis and Rock Island County
Silvis 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).
Silvis
Map of Rock Island County, Illinois, with Silvis marked. Around it, the neighboring counties.
Silvis
Rock Island County
Other cities with a page
Silvis's own numbers
Typical home value
$161,600
Typical monthly rent
$965
Typical yearly household income
$62,375
Households that own their home
58%
Effective property tax rate
2.17%
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.
A typical home in Silvis is worth $161,600: 7% above the county and 39% below Illinois. With the typical household income in Silvis ($62,375 a year), a typical home costs 2.6 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.
Silvis2.6 years
Rock Island2.2 years
Illinois3.2 years
United States4.1 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.
Yearly change in FHFA’s price index in Rock Island County, 2016 to 2025
2016: +2.8% +2.8% 2016
2017: +1.5% +1.5% 2017
2018: +1.1% +1.1% 2018
2019: +2.5% +2.5% 2019
2020: +1.1% +1.1% 2020
2021: +7.0% +7.0% 2021
2022: +9.4% +9.4% 2022
2023: +7.2% +7.2% 2023
2024: +8.2% +8.2% 2024
2025: +3.2% +3.2% 2025
Change in FHFA’s price index in Rock Island County, Illinois and the United States
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
Silvis 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
Silvis$161,600
Rock Island$150,400
Illinois$263,300
United States$332,700
Typical monthly rent
Silvis$965
Rock Island$889
Illinois$1,274
United States$1,413
Typical yearly household income
Silvis$62,375
Rock Island$67,159
Illinois$83,390
United States$80,734
See the full table
Silvis next to Rock Island County and Illinois
Measure
Silvis
Rock Island County
Illinois
U.S.
Typical home value
$161,600 ▲7% above the county
$150,400
$263,300
$332,700
Typical monthly rent
$965 ▲9% above the county
$889
$1,274
$1,413
Typical yearly household income
$62,375 ▼7% below the county
$67,159
$83,390
$80,734
Households that own their home
58% ▼12 points below the county
70%
67%
65%
Typical yearly property tax
$3,509 ▲2% above the county
$3,425
$5,298
$3,119
Effective property tax rate
2.17% ▼0.11 points below the county
2.28%
2.01%
0.94%
Renters with high rent for their income
36% ▼11 points below the county
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 Silvis
For a typical $161,600 home in Silvis, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Silvis's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,506a month
Least cash to close
Down payment
$5,656
Cash to close
$10,504
Rate
7.18%
Mortgage insurance
FHA MIP · $71
Conventional, 5% down$1,476a month
Down payment
$8,080
Cash to close
$12,928
Rate
7.18%
Mortgage insurance
PMI · $77
Conventional, 20% down, no PMI$1,235a month
Down payment
$32,320
Cash to close
$37,168
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,385a month
Down payment
$24,240
Cash to close
$29,088
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Silvis
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,506
$5,656
$158,673
7.18%
FHA MIP · $71
$10,504
580
Conventional, 5% down
$1,476
$8,080
$153,520
7.18%
PMI · $77
$12,928
620*
Conventional, 20% down, no PMI
$1,235
$32,320
$129,280
7.18%
None
$37,168
620*
ITIN, 15% down (example)
$1,385
$24,240
$137,360
8.18%
None
$29,088
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 Silvis is $965 a month: 9% above the county. In Silvis, 36% 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.
HUD fair market rent in Rock Island County (Fiscal year 2027)
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 Silvis
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Silvis has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,030 in 61244 to $1,120 in 61282.
1 of the 2 is above the fair market rent for Rock Island County ($1,056).
Fair market rent by ZIP code and size in Silvis, fiscal year 2027.
61244
$740
$840
$1,030
$1,350
$1,640
61282
$840
$900
$1,120
$1,480
$1,800
ZIP code2 bd3 bd
61244 $1,030$1,350
61282 $1,120$1,480
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Silvis 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.
There is 1 HUD-approved agency with an office in Rock Island County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Silvis or Rock Island County. The ones below are statewide in Illinois: they work in Silvis 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 Silvis or Rock Island 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 Silvis 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 Silvis?
The typical home value in Silvis is $161,600, 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 Silvis?
Typical rent in Silvis is $965 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 Silvis?
Silvis 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 Silvis?
The typical homeowner in Silvis pays $3,509 a year, according to the U.S. Census Bureau. That is 2.17% 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 Silvis?
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.
