61104 Property Tax Rate
Rockford, Illinois · Part of Winnebago County
Effective Tax Rate
1.89%
54.8% below state avgMedian Annual Tax
$1,581
$132/mo escrow
Estimate Your Tax
Annual Tax
$1,581
Monthly
$132
Eff. Rate
1.89%
Buyer decision brief
What ZIP 61104 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
$132/mo
Based on median annual tax paid
State context
0.01 percentage points above the Illinois average
Illinois average: 1.88%
Data confidence
High confidenceThe Census margin of error is $225, about 14% 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 61104 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
$225 tax MOE, 14% 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 61104
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 $83,700, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.89%, 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 $132 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 61104 Compares
Median Annual Property Tax
ZIP 61104
1.89%
Effective rate
Illinois Avg
1.88%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Illinois
Higher than 52% of ZIP codes in Illinois(52th percentile, 1,317 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 61104
Property owners in ZIP code 61104 (Rockford, Illinois) pay a median of $1,581/year in property taxes on homes valued at $83,700. This translates to an effective tax rate of 1.89%, which is near the Illinois state average of 1.88%.
The monthly property tax burden for a median-valued home in 61104 is approximately $132, which factors into escrow payments on mortgages. This ZIP code is located within Winnebago County. This is $1,920 less than the Illinois average of $3,501/year.
Compared to similar ZIP codes in Illinois, 61104 has lower property taxes. ZIP codes with similar effective rates include 61254 (1.89%) and 61038 (1.89%).
In Rockford, property taxes represent approximately 4.9% of the median household income of $32,161, 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 61104?
How much are property taxes in Rockford, IL (61104)?
How does ZIP 61104 compare to the Illinois average?
What is the median home value in ZIP 61104?
What county is ZIP code 61104 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$225. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 61104 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 61104
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
60043
Kenilworth, IL
1.18 percentage points lower than ZIP 61104.
Rate
0.71%
Tax
$10,001
Quality
68
60022
Glencoe, IL
1.15 percentage points lower than ZIP 61104.
Rate
0.74%
Tax
$10,001
Quality
70
60093
Winnetka, IL
0.96 percentage points lower than ZIP 61104.
Rate
0.93%
Tax
$10,001
Quality
70
60521
Hinsdale, IL
0.88 percentage points lower than ZIP 61104.
Rate
1.01%
Tax
$10,001
Quality
70
60029
Golf, IL
0.84 percentage points lower than ZIP 61104.
Rate
1.04%
Tax
$10,001
Quality
70
60045
Lake Forest, IL
0.78 percentage points lower than ZIP 61104.
Rate
1.11%
Tax
$10,001
Quality
70
60091
Wilmette, IL
0.64 percentage points lower than ZIP 61104.
Rate
1.25%
Tax
$10,001
Quality
70
60523
Oak Brook, IL
0.53 percentage points lower than ZIP 61104.
Rate
1.36%
Tax
$10,001
Quality
70
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.