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Featured local agent — Pecatonica, IL
Sarah Mitchell
Compass Real Estate · Pecatonica, IL
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Pecatonica, IL Housing Market
The typical home in Pecatonica, IL is worth $242,851, rose 11.2% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $220,000, +44.1% year over year (through May 2026). With homes going under contract in about 4 days, Pecatonica is a seller's market. At today's 6.66% 30-year fixed rate, 20% down on a $242,851 home is about $1,248/mo in principal and interest.
Key numbers for Pecatonica, IL
Typical home value
$242,851
+11.2% in 12 months
Zillow, July 2026
Median sale price
$220,000
+44.1% year over year
Redfin, through May 2026
Days on market
4
Fast-moving
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$71,500
Home costs 3.4x income
U.S. Census ACS, 2023
Sale-to-list ratio
102.3%
Selling above asking
Redfin, through May 2026
Zillow figures are as of July 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Pecatonica a buyer's or seller's market?
Pecatonica, IL is a seller's market and homes selling in about 4 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Pecatonica housing market data show?
Every row below is Redfin's final published month for Pecatonica, IL. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $220,000 |
| Year-over-year price change | +44.1% |
| Median price per sq ft | $147/sq ft |
| Median days on market | 4 days |
| Sale-to-list price ratio | 102.3% |
| Homes sold (that month) | 1 |
| Market condition | Seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Pecatonica is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Pecatonica is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Pecatonica home prices moved?
Over the last three years the median sale price in Pecatonica, IL rose 51.7%, from $145,000 to $220,000. The live Zillow value series has rose 11.2% in the last 12 months, which is the more current read now that Redfin's series has stopped.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Pecatonica?
Priced off the typical home value of $242,851 at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $48,570 | $194,281 | $1,248/mo |
| 5% | $12,143 | $230,708 | $1,483/mo |
Zillow, July 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,248, that implies roughly $53,507 a year before you add taxes and insurance. The median household in Pecatonica earns $71,500, about $17,993 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 3.4x — close to the historical 3x norm, which is unusual in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Pecatonica in the next 12 months?
Tell us your timeline. We send the Pecatonica market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Pecatonica?
Zillow does not publish a rent index (ZORI) for Pecatonica, IL, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Pecatonica?
Active listings in Pecatonica, IL went from 3 in October 2024 to 1 in April 2026, a -66.7% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| December 2024 | 2 | not published |
| January 2025 | 1 | 1 |
| February 2025 | 1 | 1 |
| March 2025 | 2 | 3 |
| April 2025 | 2 | 1 |
| May 2025 | 3 | 2 |
| June 2025 | 1 | 2 |
| August 2025 | 3 | 4 |
| September 2025 | 4 | 2 |
| October 2025 | 4 | 1 |
| December 2025 | 2 | 1 |
| April 2026 | 1 | 2 |
Redfin, through April 2026
How does Pecatonica compare to Illinois and the U.S.?
Pecatonica homes sell for $220,000 — 35% below the Illinois median of $337,900. Against the national median of $410,700, Pecatonica runs 46% lower. Year-over-year, Pecatonica moved +44.1% against Illinois's +5.9% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Pecatonica, IL | $220,000 | +44.1% | 4 days |
| Illinois statewide | $337,900 | +5.9% | 43 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Pecatonica
What buyers should watch
- The gap between 5% and 20% down here is $234 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $242,851 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Pecatonica listing goes under contract in 4 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 102.3% of asking. Price at the number you want and let competition do the rest.
- Your equity moved +11.2% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Pecatonica varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Pecatonica
Explore homes currently listed for sale in Pecatonica, Illinois across major real estate platforms.
How much do homes cost in Pecatonica by property type?
How the Pecatonica, IL market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $220,000 | $147/sq ft | 1 | 4 days |
| Condo / co-op | $254,353 | $109/sq ft | 2 | 5 days |
Who lives in Pecatonica?
American Community Survey estimates for Pecatonica. U.S. Census ACS, 2023
Population
2,178
Households
924
Median income
$71,500/yr
Median age
40.7 years
Owner-occupied
79.0%
Median home value
$134,900
Median gross rent
$1,089/mo
Mean commute
29.1 min
79.0% of occupied homes in Pecatonica are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $134,900 against Zillow's $242,851 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Pecatonica?
3 schools tracked · 904 students
The largest public schools serving Pecatonica, IL by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Pecatonica Elem School
Grades PK-4 · 330 students
Pecatonica High School
Grades 9-12 · 318 students
Pecatonica Comm Middle School
Grades 5-8 · 256 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Pecatonica, IL?
Ordered by distance from Pecatonica, not by size. Compare Pecatonica side by side with any of them.
Pecatonica housing market FAQ
Is Pecatonica a buyer's or seller's market?
Pecatonica, IL is currently a seller's market based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in Pecatonica?
The typical home in Pecatonica, IL is worth $242,851 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $220,000, about $147 per square foot.
Is Pecatonica cheaper than the rest of Illinois?
Pecatonica's median sale price of $220,000 is 35% lower than the Illinois statewide median of $337,900, and 46% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Pecatonica?
Homes in Pecatonica, IL spent a median of 4 days on market before going under contract, versus 43 days statewide. Under three weeks means well-priced listings move before most buyers can schedule a second showing. (Redfin, through May 2026.)
What income do you need to buy a home in Pecatonica?
At the current 30-year fixed rate of 6.66%, 20% down on a $242,851 home is about $1,248 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $53,507 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $71,500.
Are home prices rising in Pecatonica?
The typical home value in Pecatonica, IL rose 11.2% over the last 12 months, from $218,302 to $242,851 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Pecatonica?
Pecatonica ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Pecatonica?
That depends on your timeline, not on a headline. What the data says today: Pecatonica, IL is a seller's market, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $242,851, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.