Chicago 60604

Cook County, IL · 658 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

58affordability /100

Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
25.3%
affordable
Days on market
82
daily
Price cuts
0.0%
of active
Valuation
+1137.7%
vs assessor
Look up an address
65
/100
Stable
hot · balanced · prices rising year-over-year.
Price trend
75
Affordability
85
Valuation
20
Economic health
58

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

42/ 100SellerBalancedBuyer
Balanced Market
DOM: 97d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)25
Days on Market (5%)100

Balanced market in 60604. List price is roughly fair — focus on condition and value. Payment burden: 25.3% of median income. Median days on market: 97. Renting is approximately 4% cheaper than buying (price-to-rent ratio: 12.5).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
HOTBALANCED

Market is running hot with fast-moving inventory. Conditions are balanced between buyers and sellers. Prices up 6.8% YoY.

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Market snapshoteach number, once

Median price
$324,802
▴ 6.8% YoY
Days on market
82
daily · zip_data
Median rent
$2,167
ZORI
Investor score
94/100
cash-flow lens
Active listings
9
90-day

Valuation3 lenses, different anchors

vs assessor
+1137.7%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$4,020,000
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+44.5%
County-wide market — the widest, slowest signal.
Cook+44.5%
Cook+44.5%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft
Price-to-income4.2×

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How 60604 ranks in IL
percentile vs all Illinois ZIPs · n=1303
Market velocity22%
Supply tightness0%
Affordability9%
Investment yield77%
Appreciation60%

Affordability, supply & momentum

2SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply72.0 mo
Days on Market82d
Inv vs History+78.2%
Listing Density--
Affordability — payment burden
Monthly payment (P&I)$1,641
Payment burden25.3%
Median income · ZIP$77,806
Mortgage rate6.49% · 30yr
Total monthly own$1,965
Monthly rent$2,167
Market dynamics
Price cut %0.0%
Momentumhot
LeverageBALANCED
Months of supply72
Sales (90d)0
Investment analysis
Median rent$2,167
Price-to-rent12.5
Est. cap rate5.2%
Buy vs rentfavors buying

Livability

Walk score99
Transit score46
Bike score

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Cook County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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