Population & age
- Total population
- 235
- Median age
- 35.9
ZIP 61044, IL (61044)
Stephenson County · Population 235
Fresh.Data current as of Apr 24, 2026
IL 61044 (ZIP 61044) sits in Stephenson County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Obesity comes in above the national average at 40.1%. No NCES schools are mapped to this ZIP in the current dataset. 4 colleges and universities serve the area, with median in-state tuition of $5,340. FDIC counts just 1 bank branch in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. The CDC SVI flags household composition (85th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 52th-percentile score. FEMA has issued 20 federal disaster declarations affecting this ZIP since 1965 — a high-frequency exposure profile. Only 5.5% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. New residents arriving here predominantly come from Winnebago County, IL (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $54,091, fair market rent of $950 for a two-bedroom, and a low 4.7% poverty rate. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 100.0%
- Black
- 0.0%
- Asian
- 0.0%
- Hispanic / Latino
- 0.0%
Income & housing
- Median household income
- $54,091
- Median home value
- $143,300
Education
- Bachelor's degree or higher (age 25+)
- 61.6%
Employment
- Unemployment rate
- 0.0%
Housing
- Owner-occupied
- 98(100.0%)
- Renter-occupied
- 0(0.0%)
- Vacant units
- 0
- Built (median)
- 1969
Commute
- Public transit
- 0(0.0%)
- Work from home
- 17(15.0%)
- Avg commute
- 11.5 min
Economic wellbeing
- Below poverty line
- 11(4.7%)
- Uninsured
- 0(0.0%)
Digital access
- Broadband access
- 88(89.8%)
- No broadband
- 10(10.2%)
Language & nativity
- Foreign-born
- 0(0.0%)
- Non-English at home
- 0(0.0%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$690
/month
1 Bed
$740
/month
2 Bed
$950
/month
3 Bed
$1,190
/month
4 Bed
$1,350
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
New housing construction
New housing units permitted
64
Across 63 permitted buildings. Total construction value: $24.8M.
Single-family
62
97% of total units
Multifamily (2+ unit)
2
3% of total units
Single-family value
$24.3M
construction value
Multifamily value
$494,000
construction value
Aggregated from 2 counties touching this ZIP (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Business & employment
Business establishments
5
Total employment
98
Annual payroll
$6.2M
Average annual pay
$62,796
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$55,932
Average weekly wage
$1,076
Total employment
17,367
Total establishments
1,019
That is roughly 15% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
4.8%
That is 0.8 percentage points above the US national unemployment rate of about 4.0%.
Labor force
21,266
Employed
20,238
Unemployed
1,028
Based on Stephenson County, IL data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Banking access
FDIC-insured bank branches
1
Limited banking access
Only a handful of branches — residents may rely on neighboring ZIPs or online banking for most services.
Total deposits
$25.9M
across all branches in this ZIP
Distinct institutions
1
different banks operating here
Top banks by deposits in this ZIP
- 1.Solutions Bank$25.9M · 1 branch
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Public transit
FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.
Service status
Available
Dubuque, IA--IL
Reporting agencies
1
Largest: City of Dubuque
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.
Federal Disaster Declarations
Federally Declared Disasters
20
Date Range
1965–2020
Most Recent Declaration
COVID-19 PANDEMIC
Biological — declared March 26, 2020 (DR-4489)
Incident period: January 20, 2020 – May 11, 2023
Top Incident Types
- Flood7 (35%)
- Severe Storm5 (25%)
- Snowstorm4 (20%)
- Biological2 (10%)
- Hurricane1 (5%)
- Other1 (5%)
Individual Assistance
11
Direct help to disaster survivors
Households Program
3
Housing & temporary lodging support
Public Assistance
19
Repair of public facilities & roads
Hazard Mitigation
7
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
47.8°F
38.2° – 57.5°
Annual precipitation
38.7"
Annual snowfall
35.7"
Heating · cooling days
6,868.7 · 653.5
Annual base 65°F
Nearest station: STOCKTON 3 NNE, IL US, 6.7 miles from the centroid of ZIP 61044 (ZIP 61044)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
9,373
That is roughly 1,173 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
19%
of adults self-report
Poor physical health days
4.3
avg per adult per month
Poor mental health days
5.6
avg per adult per month
Uninsured
5.5%
of residents under 65
Primary care MDs
48
per 100,000 residents
Preventable hospital stays
2,732
per 100K Medicare enrollees
Food environment (0-10)
8.4
10 = best access & security
Exercise access
71%
residents near a facility
Flu vaccinated
50%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.7% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Stephenson data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Good food access — most residents near a store
6.5% of Stephenson County, IL residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.16
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.97
accepting food benefits
Fast-food restaurants
0.50
per 1,000 residents
Per-1,000 figures show how many of each store type exist in Stephenson County, IL for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 6 reports
Property crime rate
—
per 100K residents · 55 reports
Homicide
0
Robbery
0
Burglary
20
Vehicle theft
5
County-level data for Jo Daviess (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▼−41 people
−133 households • −$18.9M net AGI flow
Moved in
1,166households
2,109 people • $52.8M AGI
Moved out
1,299households
2,150 people • $71.8M AGI
Where new residents came from
- Winnebago County, IL — 161 households
- Ogle County, IL — 58 households
- Cook County, IL — 57 households
- Green County, WI — 45 households
- Dane County, WI — 37 households
Where departing residents went
- Winnebago County, IL — 142 households
- Cook County, IL — 50 households
- Ogle County, IL — 47 households
- Green County, WI — 44 households
- Carroll County, IL — 43 households
Incoming households reported an average AGI of $45,319 versus departing households' $55,264.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in Illinois
State-level rules that apply to every resident of ZIP 61044. Numbers reflect the most recent published year per source.
Tax rates
Income tax
Yes
graduated
Sales tax (combined)
8.96%
State 6.25% · avg local 2.71%
Property tax (effective)
2.18%
Median $4,224/year
Tax burden rank
38 of 50
11.20% of personal income
For ZIP 61044: Applied to this ZIP's typical home value of $143,300, that works out to roughly $3,123/year in property tax.
Paid family leave
Program
No program
No program
Safety net
SNAP eligibility
165% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 61044
Nearby ZIPs by distance
61048 (Lena, 5.4 mi) · 61062 (Pearl City, 6.3 mi) · 61085 (Stockton, 6.3 mi) · 61027 (7.9 mi) · 61059 (Nora, 9.2 mi) · 61089 (Winslow, 11.3 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
40.1%
7.1pp above the 33.0% national rate.
High Blood Pressure
36.3%
4.3pp above the 32.0% national rate.
Depression
24.8%
2.8pp above the 22.0% national rate.
Annual Checkup
79.0%
3.0pp above the 76.0% national rate.
Health Insurance
6.7%
6.3pp below the 13.0% national rate.
Diabetes
12.1%
Tracks close to the 11.0% national rate.
Colleges & universities nearby
Colleges in this area
4
Median in-state tuition
$5,340
Median earnings (10 yr)
$39,193
- 2-Year
Sauk Valley Community College
Dixon, IL · 61021
- In-state tuition
- $5,340
- Out-of-state tuition
- $12,900
- Acceptance rate
- —
- Graduation rate
- 50.3%
- Median earnings (10 yr)
- $40,458
- Median student debt
- $8,250
- 2-Year
Highland Community College
Freeport, IL · 61032
- In-state tuition
- $4,936
- Out-of-state tuition
- $7,360
- Acceptance rate
- —
- Graduation rate
- 45.4%
- Median earnings (10 yr)
- $37,928
- Median student debt
- $8,029
- Certificate
Educators of Beauty College of Cosmetology-Sterling
Sterling, IL · 61081
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 63.6%
- Median earnings (10 yr)
- $21,463
- Median student debt
- $9,833
- 4-Year
Columbia College - Freeport
Freeport, IL · 61032
- In-state tuition
- $8,256
- Out-of-state tuition
- $8,256
- Acceptance rate
- —
- Graduation rate
- —
- Median earnings (10 yr)
- $45,378
- Median student debt
- $23,879
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
IL 61044 (ZIP 61044) sits in Stephenson County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: Obesity comes in above the national average at 40.1%. No NCES schools are mapped to this ZIP in the current dataset. 4 colleges and universities serve the area, with median in-state tuition of $5,340. FDIC counts just 1 bank branch in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. The CDC SVI flags household composition (85th percentile) as this ZIP's standout vulnerability dimension, sitting well above its overall 52th-percentile score. FEMA has issued 20 federal disaster declarations affecting this ZIP since 1965 — a high-frequency exposure profile. Only 5.5% of residents under 65 are uninsured (County Health Rankings, 2025) — well below the national county median. New residents arriving here predominantly come from Winnebago County, IL (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $54,091, fair market rent of $950 for a two-bedroom, and a low 4.7% poverty rate. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits higher the national rate at 24.8%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 61044
What is the obesity rate in ZIP 61044?
40.1%, which is 7.1 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 61044?
24.8%, which is 2.8 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 61044?
36.3%, which is 4.3 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the population of ZIP 61044?
235 people live in ZIP 61044, with a median age of 35.9 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 61044?
$54,091 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 61044 mostly renters or homeowners?
In ZIP 61044, 100.0% of occupied housing units are owner-occupied and 0.0% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 61044?
In ZIP 61044, 15.0% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 61044?
4.7% of the population in ZIP 61044 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 61044 have broadband internet?
89.8% of households in ZIP 61044 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How many businesses are in ZIP 61044?
As of 2022, 5 business establishments operated in ZIP 61044 employing 98 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 61044?
The average annual pay across all local establishments in ZIP 61044 is $62,796, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 61044 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 61044 ranks in the 52th percentile nationally for social vulnerability — a high vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 61044?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 61044, ranking in the 85th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 61044 experienced?
FEMA has recorded 20 federal disaster declarations affecting ZIP 61044 between 1965–2020 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 61044?
Flood is the most common federally declared disaster type affecting ZIP 61044, accounting for 7 of 20 declarations (35%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 61044?
The most recent FEMA disaster declaration affecting ZIP 61044 was "COVID-19 PANDEMIC" — a biological declared in 2020 (DR-4489) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 61044?
4 colleges and universities are listed near ZIP 61044 by the U.S. Department of Education College Scorecard, including Sauk Valley Community College, Highland Community College, and Educators Of Beauty College Of Cosmetology-Sterling (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 61044?
Median in-state tuition across 4 nearby institutions is $5,340 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 61044?
Graduates of nearby colleges earn a median of $39,193 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 61044?
ZIP 61044 has an average annual temperature of 47.8°F and 38.7" of annual precipitation based on the STOCKTON 3 NNE, IL US weather station 6.7 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Does ZIP 61044 have public transit?
Yes — ZIP 61044 is part of the Dubuque, IA--IL urbanized area, primarily served by City of Dubuque (National Transit Database 2024, retrieved May 4, 2026).
What taxes apply in ZIP 61044?
Illinois has a graduated income tax with a top rate of unspecified. Combined sales tax: 8.96% (Tax Foundation 2025).
Does Illinois have paid family leave?
Illinois has no state paid family leave program (Bipartisan Policy Center 2026).
What data is available for ZIP 61044?
This page covers health outcomes from CDC PLACES (40 metrics), demographics from the Census ACS 5-Year (2022), colleges from the U.S. Department of Education College Scorecard (4 institutions), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (20 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), public transit coverage from the National Transit Database (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (20 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 61044
Nearby ZIPs by distance
61048 (Lena, 5.4 mi) · 61062 (Pearl City, 6.3 mi) · 61085 (Stockton, 6.3 mi) · 61027 (7.9 mi) · 61059 (Nora, 9.2 mi) · 61089 (Winslow, 11.3 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 61044?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
52nd percentile
High Vulnerability
Based on 2 census tracts, population 332
Vulnerability Themes
Households Without Vehicle
6
Limited English Speakers
3
Persons with Disability
41
Without HS Diploma
14
Without Health Insurance
24
Adults Age 65+
66
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.