Freeport, IL — Momentum Score, Home Values & Best-For

All states·Illinois·Freeport

Stephenson County · Freeport · population 23,140

AffordabilityInvestorsShrinkingSmall-town feel
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75
Rising
Momentum score · 0–100

Where Freeport stands

At or near all-time high. home values up 8.7% in the last year. averaging 8.0% annual growth over 5 years. population shrinking 0.9% per year.

Median home $125,445
1-year +8.7%
5-yr CAGR +8.0%
vs 5-yr peak +0.0%
Population -0.9%/yr

Home value trajectory · last 10 years

Zillow ZHVI · monthly
peak 2026-04$125k$55k$80k$105k$130k201620182020202220242026

Lifestyle scores

🚶
Walkability
32/100
Very car-dependent
Estimated from population density. Higher = denser, more amenities within walking distance.
🚉
Public transit
15/100
Transit limited
Curated list of major US transit systems + population-based estimate. Higher = real subway/rail/bus options.
💻
Remote work fit
64/100
Workable for remote workers
Composite of city size, housing cost, state tax structure, and region's remote-work track record.

Scores are heuristic estimates from population density, state, and known transit/walkable cities. Not based on a paid Walk Score / Transit Score API — see methodology for the formula.

Rent vs buy

Price-to-rent ratio: 9.6
Buy

At a 9.6 price-to-rent ratio, buying generally beats renting in Freeport on a long-enough horizon. The headline math is that one year of mortgage payments approximates 9.6 years of rent — well below the 15+ threshold where ownership starts to dominate.

How the momentum score breaks down

methodology →
Home YoY
88 · w22%
Home 5-yr CAGR
79 · w22%
Distance from peak
90 · w18%
Population growth
32 · w16%
Home 10-yr CAGR
79 · w10%
Long thesis

Freeport has averaged 8.0% annual appreciation over five years and the trend is still live (+8.7% in the last 12 months). When a momentum trade keeps working, the simplest explanation is usually correct: more people want in.

Short thesis

Freeport's population is shrinking 0.9% per year. Housing demand has to come from somewhere — if people are leaving, the buyer pool is shrinking faster than the inventory. That eventually shows up in price.

About Freeport

Freeport is a city in Stephenson County, Illinois, with an estimated population of 23,140. The population has contracted 0.9% per year on average since 2020. The median home value in Freeport is $125,445 as of 2026-04, up 8.7% over the last 12 months. Over the last five years, home values have averaged +8.0% annual growth, with prices at or near the 5-year peak. Rents in Freeport average $1,091 per month. The composite momentum score is 75 of 100 (Rising). The market is healthy with prices supported by underlying demand.

Bull case

Trend still working: prices up 8.7% in the last 12 months — buyers are still chasing inventory.
Affordable AND rising: median home $125,445 with positive recent direction — rare combination most of the country can’t offer.
Healthy 5-year run: +8.0% annualized over 5 years, outpacing US inflation.
Held the highs: currently +0.0% from the 5-year peak — this market refused to give back gains.

Bear case

Flat or shrinking population: -0.9% per year. Housing demand has to come from somewhere — verify the source.
Local nuance: city-level data smooths over neighborhood differences. School zones, HOA rules, and street-level character matter — visit before deciding.

Playbook

Buyer

You're not in a frenzy but you're not getting bargains either. Make a competitive offer with normal inspection terms. Don't lowball — the listing will move with or without you.

Seller

Price at fair market value; expect movement in 30-45 days. Don't get clever with terms (rent-back, contingencies) — buyers in a Rising market have options.

Investor

Appreciation tailwind exists but cash flow requires discipline on price. Run the numbers conservatively and confirm rent comps before committing.

Local safety & alerts

No active National Weather Service alerts for Stephenson County right now.

Public-safety links are official .gov sources, not curated by us. Stephenson County routes NWS alerts; check the state EM portal for non-weather emergencies.

Cities like Freeport

Sources: Zillow ZHVI (home values), Zillow ZORI (rents), US Census ACS + place population. Updated when source agencies publish revisions.

Climate & natural-disaster risk

Winter (Jan)
33° / 18°
avg high / low
Summer (Jul)
85° / 64°
avg high / low
Sunny days/yr
189
~52% of year
Annual precip
38″ rain
22″ snow
Disaster risk (1=very low, 5=very high)
Hurricane
Very low
Tornado
High
Wildfire
Very low
Earthquake
Low
Flood
Moderate

State-level averages from NOAA Climate Normals (1991-2020) and FEMA National Risk Index. City-level conditions can vary significantly within a state.

Current weather

Loading current conditions…

7-day forecast on weather.gov →

Find rentals & listings

Open current Freeport listings on the major real-estate sites.

Links open the live search on the destination site — results are always current.

Local sports teams

Major professional teams the Freeport area cheers for. Detailed stats, schedules, and player pages on intherafters.com.

Local economy & environment

Humidity
71%
Humid climate
Median household income
$78,400
Illinois state median
Top industries (state-level)
FinanceManufacturingHealthcare

Humidity is annual average relative humidity (NOAA). Income is Census ACS 5-year estimate. Industries are largest employment sectors statewide (BLS); the local mix in a given city may vary.

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