61364 — LaSalle County, Illinois Market Snapshot
Housing market data for zip code 61364 in LaSalle County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
60 sales in 2026 (year to date)
Median Sale Price
$139,500
Days to Sell
70
Homes Sold
60
Inventory
55
Sale-to-List
95.9%
New Listings
76
Price/SqFt
$110
Pending Sales
70
Conforming Loan Available
Most homebuyers in 61364 can comfortably use conventional financing. The median home price of $139,500 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 70 days on average, 61364 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 61364 sells for 4.1% below asking price (95.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 61364 can comfortably use conventional financing. The median home price of $139,500 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 61364 are set at the county level.
2026 Loan Limits — LaSalle 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 61364
To purchase the median home at $139,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,219.
Monthly Payment
$1,219
Income Required
$52,234
Principal & Interest
$860/mo
Down Payment (5%)
$6,975
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 61364.
Estimated Monthly Payment
$1,013
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