61103 Property Tax Rate
Rockford, Illinois · Part of Winnebago County
Effective Tax Rate
2.41%
21.1% below state avgMedian Annual Tax
$2,764
$230/mo escrow
Estimate Your Tax
Annual Tax
$2,764
Monthly
$230
Eff. Rate
2.41%
Buyer decision brief
What ZIP 61103 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$230/mo
Based on median annual tax paid
State context
0.53 percentage points above the Illinois average
Illinois average: 1.88%
Data confidence
High confidenceThe Census margin of error is $256, about 9% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Winnebago County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 61103 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$256 tax MOE, 9% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Winnebago County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 61103
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $114,800, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 2.41%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Illinois and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $230 per month before insurance, HOA dues, or special assessments.
Assessor verification
Winnebago County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 61103 Compares
Median Annual Property Tax
ZIP 61103
2.41%
Effective rate
Illinois Avg
1.88%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Illinois
Higher than 88% of ZIP codes in Illinois(88th percentile, 1,317 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 61103
Property owners in ZIP code 61103 (Rockford, Illinois) pay a median of $2,764/year in property taxes on homes valued at $114,800. This translates to an effective tax rate of 2.41%, which is 28% above the Illinois state average of 1.88%.
The monthly property tax burden for a median-valued home in 61103 is approximately $230, which factors into escrow payments on mortgages. This ZIP code is located within Winnebago County. This is $737 less than the Illinois average of $3,501/year.
Compared to similar ZIP codes in Illinois, 61103 has lower property taxes. ZIP codes with similar effective rates include 61525 (2.41%) and 60041 (2.41%).
In Rockford, property taxes represent approximately 5.8% of the median household income of $47,390, providing context for the relative tax burden on homeowners in this area.
Illinois law caps assessed value growth at 7% annually under the Property Tax Extension Limitation Law, but your property will be reassessed to market value when you purchase, potentially increasing your tax liability. The General Homestead Exemption provides $10,000 off your assessed value — file with the Winnebago County Assessor's office immediately after closing to lock in this reduction. Contact the Winnebago County Assessor to confirm the filing deadline and verify your exemption was applied to your first tax bill.
Frequently Asked Questions
What is the property tax rate in ZIP code 61103?
How much are property taxes in Rockford, IL (61103)?
How does ZIP 61103 compare to the Illinois average?
What is the median home value in ZIP 61103?
What county is ZIP code 61103 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$256. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 61103 is part of Winnebago County, Illinois. View the full county profile for broader context and more data.
View Winnebago County on TaxByCounty →Explore Rockford, IL
View all 8 ZIP codes in Rockford with property tax comparisons.
View Rockford Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 61103
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
61104
Rockford, IL
0.52 percentage points lower than ZIP 61103.
Rate
1.89%
Tax
$1,581
Quality
101
61102
Rockford, IL
0.21 percentage points lower than ZIP 61103.
Rate
2.20%
Tax
$2,098
Quality
101
61080
South Beloit, IL
0.20 percentage points lower than ZIP 61103.
Rate
2.21%
Tax
$3,806
Quality
89
61111
Loves Park, IL
0.14 percentage points lower than ZIP 61103.
Rate
2.26%
Tax
$3,253
Quality
89
61115
Machesney Park, IL
0.10 percentage points lower than ZIP 61103.
Rate
2.31%
Tax
$3,708
Quality
89
61063
Pecatonica, IL
0.10 percentage points lower than ZIP 61103.
Rate
2.31%
Tax
$3,583
Quality
89
61079
Shirland, IL
0.06 percentage points lower than ZIP 61103.
Rate
2.34%
Tax
$2,667
Quality
74
60043
Kenilworth, IL
1.70 percentage points lower than ZIP 61103.
Rate
0.71%
Tax
$10,001
Quality
68
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.