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Pearl City

CityThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.Illinois
$211K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Housing Stock

HomesHow many homes we have records for in this area.542
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$211K
Median sizeThe middle home size here, measured in square feet.2,784 ft²
Median bedroomsThe middle bedroom count for homes here.3
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1960
Single familyThe share of homes here that are single-family houses.94%
CondosThe share of homes here that are condos.0.7%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.100%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.0%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.86%
Company ownedThe share of homes owned by a company or trust instead of a person.15%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.31%
Typical ownership tenureHow long the typical owner here has held their home.21.0 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.133
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.86
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.28

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.782
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,220 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$66K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80K
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.36 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.52%

How Pearl City compares

By median home value, Pearl City is the 2nd most expensive of 10 cities in Stephenson County, and its typical home is worth more than 66% of all homes in Stephenson County.

Home values in Pearl City

Share of homes at each estimated value.

Median
$94K$488K
cities in Stephenson County ranked by median home value
#Stephenson CountyMedian valueHomes
1Lena$230K1,442
2Pearl City$211K542
3Orangeville$197K427
4Ridott$192K231
5Cedarville$177K293
6Rock City$177K345
7Dakota$176K318
8German Valley$168K262
9Winslow$160K228
10Freeport$143K10,776

About the Pearl City market

How many homes are there in Pearl City, IL?

Pearl City, IL contains 542 residential properties, with a median of 2,784 square feet, 3 bedrooms, built around 1960. The median TopHap Estimate is $211K.

How does Pearl City, IL compare to the rest of Stephenson County?

By median home value, Pearl City, IL is the 2nd most expensive of 10 cities in Stephenson County. Its typical home is worth more than 66% of all homes in Stephenson County. Lena ranks just above it and Orangeville just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Pearl City, IL?

86% of homes in Pearl City, IL are owner-occupied. 15% are held by a company rather than an individual.

How much equity do owners in Pearl City, IL hold?

100% of mortgaged homes in Pearl City, IL are equity-rich, meaning the loan balance is under half the home's value. 0.0% owe more than the home is worth.

Nearby markets

Browse addresses

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Explore Pearl City on the map

See every recorded sale, price heat map, school zone and flood overlay across Pearl City in TopHap’s interactive 3D map.

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A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map