Rows tagged local are specific to Roscoe (Census ACS); state rows are state averages; metro-area rows are inherited from Rockford, IL. Home value is ACS owner-reported (not a Zillow sale price).
School score: 3/10 (district Harlem Ud 122 · NCES EDFacts)
Cost of living
Metric
Value
Scope
US rank
Cost-of-living index (US=100)
90.2
metro-area
#33 of 200 metros
Grocery index (US=100)
93.1
metro-area
#20 of 200 metros
Big Mac price (est.)
$5.13
metro-area
#32 of 200 metros
Median household income
$98,750
local
#1121 of 3,220 cities
Median wage (all occupations)
$57,506
local
#747 of 3,220 cities
Who lives here
Metric
Value
Scope
US rank
Median age
39.6 years
metro-area
#130 of 200 metros
Bachelor's degree or higher (25+)
24.4%
metro-area
#175 of 200 metros
Foreign-born residents
8.9%
metro-area
#86 of 200 metros
Homes that are owner-occupied
67.8%
metro-area
#78 of 200 metros
Economy
Metric
Value
Scope
US rank
Unemployment rate
2.66%
local
#306 of 3,220 cities
Population growth (5-yr)
+5.3%
local
#1227 of 3,220 cities
Housing — what your money buys
Metric
Value
Scope
US rank
Median home price
$213,300
local
#696 of 3,220 cities
Home price ÷ income (affordability)
2.2×
local
#77 of 3,220 cities
1-yr home appreciation
+9.1%
metro-area
#1 of 200 metros
Price per square foot
$126
local
#872 of 3,220 cities
Typical home size (implied)
1,700 sqft
Median rent (monthly)
$1,249
local
#1111 of 3,220 cities
Homes for sale (inventory)
678
Median days on market
7
metro-area
#18 of 200 metros
Taxes
Metric
Value
Scope
US rank
Total tax burden (est. % of income)
12.9%
state
#164 of 200 metros
Combined sales tax
8.86%
state
#169 of 200 metros
State income tax (top rate)
4.95%
Capital gains tax
4.95%
state
#112 of 200 metros
High earners
No special surtax
Social Security in retirement
Not taxed — does not tax Social Security benefits
Effective property tax rate
2.81%
local
#3148 of 3,220 cities
Median property tax paid
$6,003
local
#2471 of 3,220 cities
Health & childcare
Metric
Value
Scope
US rank
Life expectancy at birth
75.1 years
metro-area
#148 of 200 metros
Healthcare (annual, single adult)
$6,800
state
#93 of 200 metros
Uninsured (share of residents)
7.0%
metro-area
#64 of 200 metros
Primary care providers per 100k
68
metro-area
#140 of 200 metros
Childcare (annual, infant, center)
$14,000
state
#138 of 200 metros
Vehicles & commute
Metric
Value
Scope
US rank
Annual registration
$150
state
#125 of 200 metros
Vehicle property tax (annual)
None
state
#1 of 200 metros
Emissions testing
Required
Emissions detail
Required in major metro counties
DMV & license offices
4
Avg commute to work
27 min
local
#1468 of 3,220 cities
Commute by driving alone
78.6%
metro-area
#155 of 200 metros
Solo drivers commuting 30+ min
25.0%
metro-area
#44 of 200 metros
Utilities & fuel
Metric
Value
Scope
US rank
Electricity
20.5¢/kWh
state
#138 of 200 metros
Avg monthly electric bill
$184
state
#138 of 200 metros
Gasoline
$3.60/gal
state
#159 of 200 metros
Natural gas (avg monthly bill)
$82
state
#167 of 200 metros
Water & sewer (avg monthly bill)
$57
state
#7 of 200 metros
Home internet (avg monthly bill)
$77
state
#67 of 200 metros
Insurance
Metric
Value
Scope
US rank
Home insurance (annual)
$1,900
state
#106 of 200 metros
Auto insurance (annual)
$1,600
state
#51 of 200 metros
Disaster risk & supplemental insurance
Metric
Value
Scope
US rank
Main natural hazards
Notable hazards: tornadoes, earthquakes — separate flood/quake/windstorm policies may be needed.
FEMA National Risk Index (0–100, higher = more risk)
86.8 — Relatively Moderate
metro-area
#77 of 200 metros
Flood insurance (annual, NFIP)
$700
state
#61 of 200 metros
Earthquake insurance (annual)
$300
state
#143 of 200 metros
Climate & air quality
Metric
Value
Scope
US rank
Air quality (median AQI, lower=cleaner)
43
metro-area
#70 of 200 metros
Cooling degree-days (AC load)
900
metro-area
#66 of 200 metros
Homes with air conditioning (state)
96%
state
#4 of 200 metros
Heating degree-days (heat load)
6,200
metro-area
#178 of 200 metros
Days per year ≥ 90°F
15
metro-area
#69 of 200 metros
Days per year ≥ 100°F
0
metro-area
#5 of 200 metros
Avg summer high (state)
85°F
metro-area
#59 of 200 metros
Avg winter low
15°F
metro-area
#182 of 200 metros
Annual precipitation
40.9"
metro-area
#86 of 200 metros
Annual snowfall
38.8"
metro-area
#151 of 200 metros
Sunshine (% of possible)
54%
metro-area
#161 of 200 metros
Plant hardiness zone
6a
Frost window
04-30 → 10-15
Safety
Metric
Value
Scope
US rank
Violent crime (per 100k, state avg)
430
state
#111 of 200 metros
Property crime (per 100k, state avg)
1,700
state
#47 of 200 metros
Local amenities & recreation
Metric
Value
Scope
US rank
Grocery stores
120
metro-area
#5 of 200 metros
Parks
60
Hiking areas
15
Golf courses
15
Shooting ranges
4
Lakes
4
Permits
Metric
Value
Scope
US rank
Building permit difficulty (1–5)
4
state
#147 of 200 metros
Permit detail
Difficult; zoning + review
US rank = this metro's position among all 200 metros (1 = best: cheapest / safest / highest income, etc.). Childcare is a family cost, not included in the salary-equivalence total.