Illinois
Jo Daviess County
ZIP 61087
21,918 residents42 permits TTM$74,954 median HHI9 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$193,900
ACS 5-Year
Cap rate proxy
4.9%
FMR × 0.65 ÷ Home Value
Rent-to-income
12.7%
HUD FMR ÷ ACS HHI
Net migration
+1.07%
IRS SOI
Permits (TTM)
42
Census BPS
Climate risk
51.3
FEMA NRI (0–100)
ZIP 61087
Median home value
$116,348
Gross yield
9.8%
Cap rate
8.2%
Rent gap
16.7%
Affordability
P/I: 1.6R/I: —
Section 8 detail
SAFMR: $954Rent: $795Gap: 20.0%
ZIP code breakdown9 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate | Rent gap |
|---|---|---|---|---|---|
| 61001 | $310,833 | $954 | 3.7% | 3.1% | 16.7% |
| 61025 | $229,182 | $954 | 5.0% | 4.2% | 16.7% |
| 61028 | $204,502 | $954 | 5.6% | 4.7% | 16.7% |
| 61036 | $298,052 | $954 | 3.8% | 3.2% | 16.7% |
| 61041 | $109,645 | $954 | 10.4% | 8.7% | 16.7% |
Ranked by composite score
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Demographics
Owner-occupied
81.8%
Census ACS
Vacancy rate
22.6%
Census ACS
Bachelor's degree +
28.8%
Census ACS
Rent burdened
42.3%
Census ACS (>30% income)
Median age
50.9
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026