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Market MapIllinoisStephenson

Stephenson County

IllinoisPopulation: 44,482
68
/100
Buy
#191 of 1,000 counties
#70 in Illinois (102 counties)

Market Snapshot

$152,376
Median Home Price
44% below national median
$737/mo
Median Rent
51% below national median
5.80%
Rent-to-Price Ratio
Top 56% nationally
-$320
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$152,376
Down Payment (20%)$30,475
Loan Amount$121,901
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$737
Monthly P&I-$799
Est. Expenses (35%)-$258
Net Cash Flow-$320/mo
3.8%
Cap Rate (all cash)
-11.0%
Cash-on-Cash Return
5.80%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.8% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
68/100
68
Cash Flow(30%)
57/100

Based on 5.80% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
80/100

Based on 10.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
90/100

Price-to-income ratio of 2.6x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Strong price appreciation (+10.0% YoY)
  • +Affordable relative to local incomes
  • +Complete rent data available

Challenges

  • -Negative cash flow at typical financing (-$320/mo)
  • -Negative leverage (cap rate 3.8% < mortgage rate 6.9%)

Economic Indicators

Population
44,482
Median Income
$57,527
vs $62,400 national est.
Unemployment Rate
—
Data pending
Price-to-Income
2.6x
Very affordable

Compare to Nearby Counties

CountyVerdict
CookIL
70$314,517$2,1138.06%BuyView
WillIL
69$361,064$2,1217.05%BuyView
CurrentStephensonIL
68$152,376$7375.80%Buy
KaneIL
68$363,906$2,0146.64%BuyView
AdamsIL
68$174,680$9816.74%BuyView
BondIL
67$154,738Est. pending—BuyView

The Bottom Line

BuyStephenson offers solid investment potential with good cash flow or appreciation prospects.

Stephenson County in Illinois scores 68/100, ranking #191 of 1,000 US counties (top 19%). The 5.80% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-320/mo
Cap Rate
3.8%
Cash-on-Cash
-11.0%

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