Market Overview
Home Prices in Pecatonica, IL
The median home value in Pecatonica, IL is $238,311 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8.9% compared to a year ago and up 6.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Pecatonica are priced42% below average. Pecatonica is part of the Rockford, IL metro area.
Over the past five years, Pecatonica home values have risen by approximately52.3%, reflecting strong long-term appreciation in this market.
Price History
Pecatonica Home Price Trend
City Comparison
Pecatonica vs. National Median
At $238,311, homes in Pecatonica cost 42% below the national median of $410,000. This makes Pecatonica a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Pecatonica?
20% Down Payment
$47,662
on $238,311
Monthly P&I
$1,243/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,579/mo
incl. taxes & insurance
Income Needed
$63,160
gross annual (30% rule)
10% Down Option
$23,831
+ PMI applies
Loan Amount (20% dn)
$190,649
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Pecatonica, IL?
The median home value in Pecatonica is $238,311 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8.9% year-over-year.
How much have home prices changed in Pecatonica?
Over the past year, home values in Pecatonica have increased by 8.9%. Over five years, prices have risen approximately 52.3%.
How much do I need to earn to buy a home in Pecatonica?
To comfortably afford the median home price of $238,311 with a 20% down payment ($47,662) at today's rates (6.8%), you'd need a gross annual income of approximately $63,160. This assumes keeping total housing costs at or below 30% of gross income.
How does Pecatonica compare to the national average home price?
The national median home value is approximately $410,000. At $238,311, homes in Pecatonica are 42% below the national average.
What metro area is Pecatonica part of?
Pecatonica is part of the Rockford, IL metropolitan area. Home prices and market conditions can vary across the broader metro region.