61270 — Carroll County, Illinois Market Snapshot
Housing market data for zip code 61270 in Carroll County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$147,000
Days to Sell
100
Homes Sold
27
Inventory
20
Sale-to-List
97.4%
New Listings
27
Price/SqFt
$105
Pending Sales
32
Conforming Loan Available
Most homebuyers in 61270 can comfortably use conventional financing. The median home price of $147,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 100 days on average, 61270 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 61270 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 61270 can comfortably use conventional financing. The median home price of $147,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 61270 are set at the county level.
2026 Loan Limits — Carroll County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 61270
To purchase the median home at $147,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,276.
Monthly Payment
$1,276
Income Required
$54,697
Principal & Interest
$906/mo
Down Payment (5%)
$7,350
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 61270.
Estimated Monthly Payment
$1,060
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