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Rockford, IL

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US location · verified

Neighborhood intelligence

Your Rockford relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Rockford.

Median rent

$985/mo

ACS 2024 5-year

HUD 2-bedroom FMR $1,172/mo

Median household income

$54,752

ACS 2024 5-year

Median home value

$129,000

ACS 2024 5-year

Safety score

37/100

FBI CDE

Weather

56°F (H 64° / L 47°)

Open-Meteo

Buying in Rockford? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

37/100

FBI CDE

Worth extra due diligence — 115% above average FBI data, 2023–2024

Below Average

Noise Level

42 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 56°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 69 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Rockford IL

Rockford is one of the more affordable options in its region at $985/month typical rent. Safety scores 37/100.

Rockford has about 147,521 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Rockford IL Safe?

Rockford IL scores 37/100 on safety (well below average). Crime is about 115% above the national average. Research block-level crime data and visit after dark before you commit.

Detail: overall crime index 215 (100 = avg); violent crime index 295; property crime index 135. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Rockford IL

School quality varies by neighborhood in Rockford. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Rockford IL

Typical rent in Rockford is about $985/month (affordable). At $985/month for a typical unit, you need about $35,460+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $129,000.

Median household income is $54,752, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($54,752) clears the $35,460 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Rockford IL

Average temperature is about 56°F (highs near 64°F, lows near 47°F).

Cooler months cut into patio season; plan indoor hobbies for part of the year. Heating will show up on winter bills more than AC does in summer. If you visit, go in January. That is when the cold is honest.

Who Should Move to Rockford IL?

Who tends to thrive in Rockford: (1) Renters who want $985/month housing without coastal prices (comfort income is about $35,460) (2) Households earning $35,460+ who can clear the 3× rent rule at $985/month (3) Movers with a locked job offer in Rockford who already priced rent and commute (4) Buyers comparing mid-size metros who will tour multiple ZIPs before signing

Who should look elsewhere: (1) People with young kids who want to let them roam freely (crime pressure is real here; safety 37/100) (2) Households expecting top marks on rent and safety at once (Rockford does not clear every bar) (3) People who will not research ZIP-level crime maps before leasing

Income sniff test: clear about $35,460 household income for $985/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Moving to Rockford requires serious research first. Safety scores 37/100 which is significantly below average. If you have a specific reason to be here that justifies the tradeoff, go in with eyes open on neighborhood selection.

Next steps

Tools for your move

Quotes and listings for Rockford when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Rockford.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$949

Mortgage + tax + insurance + HOA

Annual property tax

$1,871

Annual est. $5,580

Est. monthly utilities

$236

Climate-adjusted electric, gas & water

Median home price

$129,000

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$116k
2022
$119k
2023
$122k
2024
$126k
2025
$129k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Buying saves ~$36/mo vs renting
$985ACS 2024 5-year
Rent
$949
Buy

Mortgage

$652

Property tax

$156

Insurance

$46

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$1,712/yr

2024

1.37%

$1,764/yr

2025

1.41%

$1,817/yr

2026

1.45%

$1,871/yr

Buying in Rockford? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

52 (100 = avg)

low exposure

Est. annual homeowners insurance

$553/yr

moderate exposure
Wind hazard index69 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 56°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $553.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Rockford to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo