Chicago 60631

Cook County, IL · 28,718 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

61affordability /100

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

Payment burden
23.7%
affordable
Days on market
32
daily
Price cuts
17.6%
of active
Valuation
-10.9%
vs assessor
Look up an address
76
/100
Stable
hot · balanced · prices rising year-over-year.
Price trend
67
Affordability
95
Valuation
70
Economic health
61

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

31/ 100SellerBalancedBuyer
Seller's Market
DOM: 58d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)10
Supply & Demand (20%)70
Buy vs Rent (15%)75
Cancellation Rate (10%)0
Days on Market (5%)60

Seller-favored market in 60631. Expect to pay at or near list price. Payment burden: 23.7% of median income. Median days on market: 58. Renting is approximately 72% cheaper than buying (price-to-rent ratio: 20.6).

Buyer Caution

Seller's market. Be prepared to pay near list price.

Competitive market similar to 2021-2022 — limited inventory driving prices above fundamentals.
HOTBALANCED

Market is running hot with fast-moving inventory. Conditions are balanced between buyers and sellers. Prices up 6.9% YoY.

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Market snapshoteach number, once

Median price
$459,937
▴ 6.9% YoY
Days on market
32
daily · zip_data
Median rent
$1,865
ZORI
Investor score
64/100
cash-flow lens
Active listings
81
90-day

Valuation3 lenses, different anchors

vs assessor
-10.9%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$410,010
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$288
Price-to-income3.9×

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How 60631 ranks in IL
percentile vs all Illinois ZIPs · n=1303
Market velocity78%
Supply tightness72%
Affordability13%
Investment yield25%
Appreciation62%

Affordability, supply & momentum

38SUPPLY
BalancedSupply Tightness

Supply and demand are roughly even — standard negotiation dynamics.

Months of Supply7.2 mo
Days on Market32d
Inv vs History+47.3%
Listing Density--
Affordability — payment burden
Monthly payment (P&I)$2,323
Payment burden23.7%
Median income · ZIP$117,688
Mortgage rate6.49% · 30yr
Total monthly own$2,783
Monthly rent$1,865
Market dynamics
Price cut %17.6%
Momentumhot
LeverageBALANCED
Months of supply7.2
Sales (90d)0
Investment analysis
Median rent$1,865
Price-to-rent20.6
Est. cap rate3.2%
Buy vs rentfavors renting

Livability

Walk score8
Transit score20
Bike score—

Historical trends

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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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