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Featured local agent — Rock City, IL
Sarah Mitchell
Compass Real Estate · Rock City, IL
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Rock City, IL Housing Market
The typical home in Rock City, IL is worth $228,288, rose 10.8% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $48,000 (through May 2026). With homes going under contract in about 5 days, Rock City is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $228,288 home is about $1,219/mo in principal and interest.
Key numbers for Rock City, IL
Typical home value
$228,288
+10.8% in 12 months
Zillow, August 2026
Median sale price
$48,000
Last published period
Redfin, through January 2026
Days on market
5
Fast-moving
Redfin, through January 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$70,000
Home costs 3.3x income
U.S. Census ACS, 2023
Sale-to-list ratio
106.7%
Selling above asking
Redfin, through January 2026
Zillow figures are as of August 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 Rock City a buyer's or seller's market?
Rock City, IL is a seller's market and homes selling in about 5 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 Rock City housing market data show?
Every row below is Redfin's final published month for Rock City, IL. Redfin, through January 2026
| Metric | Value |
|---|---|
| Median sale price | $48,000 |
| Median list price | $45,000 |
| Median price per sq ft | $18/sq ft |
| Median days on market | 5 days |
| Sale-to-list price ratio | 106.7% |
| Homes sold (that month) | 1 |
| New listings (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 Rock City is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Rock City 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 Rock City home prices moved?
Across the 9 months we hold for Rock City, IL, the median sale price fell 64.7%, from $136,000 in February 2022 to $48,000. The live Zillow value series has rose 10.8% in the last 12 months, which is the more current read now that Redfin's series has stopped.
Redfin, through January 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Rock City?
Priced off the typical home value of $228,288 at the current 7.03% 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% | $45,658 | $182,630 | $1,219/mo |
| 5% | $11,414 | $216,873 | $1,447/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 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 $1,219, that implies roughly $52,231 a year before you add taxes and insurance. The median household in Rock City earns $70,000, about $17,769 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 3.3x — close to the historical 3x norm, which is unusual in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Rock City in the next 12 months?
Tell us your timeline. We send the Rock City 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 Rock City?
Zillow does not publish a rent index (ZORI) for Rock City, 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 Rock City?
Active listings in Rock City, IL went from 1 in June 2023 to 2 in September 2024, a +100.0% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| June 2023 | 1 | not published |
| December 2023 | 1 | not published |
| March 2024 | 1 | 1 |
| September 2024 | 2 | not published |
Redfin, through September 2024
How does Rock City compare to Illinois and the U.S.?
Rock City homes sell for $48,000 — 86% below the Illinois median of $337,900. Against the national median of $410,700, Rock City runs 88% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Rock City, IL | $48,000 | not published | 5 days |
| Illinois statewide | $337,900 | +5.9% | 43 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through January 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Rock City
What buyers should watch
- The gap between 5% and 20% down here is $229 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $228,288 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 Rock City listing goes under contract in 5 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 106.7% of asking. Price at the number you want and let competition do the rest.
- In the last published month Rock City added 1 new listings against 1 sales — more clearing than arriving, which is the better window to list.
- Your equity moved +10.8% 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 Rock City varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Rock City
Explore homes currently listed for sale in Rock City, Illinois across major real estate platforms.
How much do homes cost in Rock City by property type?
How the Rock City, IL market breaks down across single-family homes, condos and townhouses. Redfin, through January 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $48,000 | $18/sq ft | 1 | 5 days |
Who lives in Rock City?
American Community Survey estimates for Rock City. U.S. Census ACS, 2023
Population
378
Households
130
Median income
$70,000/yr
Median age
32.2 years
Owner-occupied
79.2%
Median home value
$124,000
Median gross rent
$845/mo
Mean commute
30.4 min
79.2% of occupied homes in Rock City 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 $124,000 against Zillow's $228,288 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which cities are near Rock City, IL?
Ordered by distance from Rock City, not by size. Compare Rock City side by side with any of them.
Rock City housing market FAQ
Is Rock City a buyer's or seller's market?
Rock City, 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 Rock City?
The typical home in Rock City, IL is worth $228,288 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $48,000, about $18 per square foot.
Is Rock City cheaper than the rest of Illinois?
Rock City's median sale price of $48,000 is 86% lower than the Illinois statewide median of $337,900, and 88% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Rock City?
Homes in Rock City, IL spent a median of 5 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 Rock City?
At the current 30-year fixed rate of 7.03%, 20% down on a $228,288 home is about $1,219 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $52,231 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $70,000.
Are home prices rising in Rock City?
The typical home value in Rock City, IL rose 10.8% over the last 12 months, from $206,100 to $228,288 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Rock City?
Rock City 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 Rock City?
That depends on your timeline, not on a headline. What the data says today: Rock City, IL is a seller's market, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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