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30-Year Fixed6.625%-0.125|15-Year Fixed5.875%-0.063|30-Year FHA6.375%-0.125|30-Year VA6.125%-0.063|5/1 ARM6.125%0.000|7/1 ARM6.250%+0.063|30-Year Jumbo7.125%-0.188|15-Year Jumbo6.625%-0.125|CA Avg6.550%-0.080|TX Avg6.720%+0.050|FL Avg6.680%-0.030|NY Avg6.500%-0.100|PA Avg6.450%-0.050|IL Avg6.580%+0.020|OH Avg6.380%-0.070|GA Avg6.650%0.000|NC Avg6.520%-0.040|MI Avg6.480%-0.060|AZ Avg6.600%+0.030|WA Avg6.420%-0.090|30-Year Fixed6.625%-0.125|15-Year Fixed5.875%-0.063|30-Year FHA6.375%-0.125|30-Year VA6.125%-0.063|5/1 ARM6.125%0.000|7/1 ARM6.250%+0.063|30-Year Jumbo7.125%-0.188|15-Year Jumbo6.625%-0.125|CA Avg6.550%-0.080|TX Avg6.720%+0.050|FL Avg6.680%-0.030|NY Avg6.500%-0.100|PA Avg6.450%-0.050|IL Avg6.580%+0.020|OH Avg6.380%-0.070|GA Avg6.650%0.000|NC Avg6.520%-0.040|MI Avg6.480%-0.060|AZ Avg6.600%+0.030|WA Avg6.420%-0.090|
Home/Illinois Mortgage Rates/Rockford

Mortgage Rates in Rockford, Illinois: 2026 Guide

30-year fixed: 6.75%. Median home price: $175,000.

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Current Mortgage Rates in Rockford

Loan TypeRateAPRMonthly Payment*
30-Year Fixed6.75%6.830%$908/mo
15-Year Fixed6.23%6.300%$1,199/mo
5/1 ARM6.13%6.480%$851/mo
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6.75%
Avg 30yr Rate
$175,000
Median Home Price
148K
Population
2.27%
Property Tax

Rockford Market Insights

Rockford provides some of the most affordable housing in Illinois. The city has been investing in economic development and revitalization, with growing healthcare and manufacturing sectors. Home prices remain very accessible for first-time buyers.

Frequently Asked Questions

What is the average mortgage rate in Rockford?+
The average 30-year fixed rate in Rockford is 6.75%.
How much down payment is needed in Rockford?+
On a median home of $175,000, 20% down is $35,000.
What are property taxes in Rockford?+
Rate: 2.27%. Annual taxes: $3,973.

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