South Beloit, Illinois.
Typical home $243,743 (+8.8% in a year), asking rent $1,488 . Rockford, IL metro.
to buy the typical home at today's mortgage rate — +$778 (+155%) since Jan 2020.
- 1 year
- Up $19,722 +9%
- $224,021$243,743 since Sep 2025
- 5 years
- Up $83,041 +52%
- $160,702$243,743 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- South Beloit$1,279
- Illinois$1,553
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 8 years.
Typical home values in South Beloit, IL rose 8.8% over the past year — faster than the nation's +1.2%.
Living in South Beloit, Winnebago County, Illinois
South Beloit is a city of 7,989 people in Winnebago County. Half its households earn more than $78,616 a year and half less, against $65,837 across Winnebago County; 8% of its people live below the poverty line. 69% of its homes are lived in by their owners and 31% are rented. Unemployment in Winnebago County was 4.6% in August 2026, and the county had 0.6% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. South Beloit is a small city on the Wisconsin border, with a younger population than many Illinois towns and incomes above the county's. Most homes are lived in by their owners, and relatively few residents fall below the poverty line. Winters are cold and snowy, with January highs staying well below freezing, while summers are pleasantly warm, and rain and melted snow arrive steadily through the year.
Work. Residents work mainly in schools, hospitals and social care, followed by manufacturing, shops, and restaurants, hotels and entertainment. Among the largest workplaces in South Beloit are Tree House Foods, Regal Rexnord and PBC Linear. Fewer adults hold a four-year degree than in many places, very few work from home, and the typical commute is a moderate one.
Things to do. The Pecatonica River and Rock Cut State Park, a protected area, are both a short drive away for time outdoors. The Angel Museum is in or beside town, and Geneva Lake is a longer drive away for a day at the water.
Report a mistake
- 3,339households
- 28%of adults have a degree
- 8%below the poverty line
- 25 mintypical commute
- 2%work from home
What residents work in
Employed residents by industry, from the Census survey. Winnebago County had 125,716 jobs in 2025, 0.6% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 25° and lows near 11°; warmest in July, with highs near 80° and lows near 60°. About 36 inches of snow and 37 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Beloit weather station, a mile away (NOAA).
Largest workplaces in South Beloit
- Tree House FoodsBakery products, dry, manufacturing225
- Mid-States Concrete Industries327390 other concrete product manufacturing215
- PBC LinearLinear ball bearings manufacturing213
- County of Winnebago SD 320School district143FTE
- Precision DosePuppets manufacturing128
- Regal RexnordCouplings, mechanical power transmission, manufacturing78
- Sebert LandscapingSnow plowing services combined with landscaping services78
- Fair Oaks Rehabilitation and Health Care CenterSkilled nursing facilities75
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 14 workplaces with 20 or more staff, 1,330 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Cold wavesRelatively high
- TornadoesRelatively high
- Strong windRelatively high
- Inland floodingRelatively high
- HailRelatively moderate
- Ice stormsRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in South Beloit’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Winnebago County and the Rockford, IL metro.
South Beloit home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- South Beloit$243,743
- Illinois$295,943
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 South Beloit listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- South Beloit25.88%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- South Beloit30
New listings per month
Sellers arriving at the market.
- South Beloit12
Zip codes with a South Beloit address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls South Beloit — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.