Chicago 60634

Cook County, IL · 62,044 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

56affordability /100

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

Payment burden
26.8%
affordable
Days on market
50
daily
Price cuts
24.8%
of active
Valuation
-14.9%
vs assessor
Look up an address
77
/100
Stable
warming · balanced · prices rising year-over-year.
Price trend
82
Affordability
85
Valuation
70
Economic health
56

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

44/ 100SellerBalancedBuyer
Balanced Market
DOM: 61d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)25
Valuation Gap (25%)25
Supply & Demand (20%)100
Buy vs Rent (15%)50
Cancellation Rate (10%)0
Days on Market (5%)75

Balanced market in 60634. List price is roughly fair — focus on condition and value. Payment burden: 26.8% of median income. Median days on market: 61. Renting is approximately 43% cheaper than buying (price-to-rent ratio: 17.1).

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

Market is warming with rising prices. Conditions are balanced between buyers and sellers. Prices up 4.6% YoY.

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Market snapshoteach number, once

Median price
$375,891
▴ 4.6% YoY
Days on market
50
daily · zip_data
Median rent
$1,828
ZORI
Investor score
70/100
cash-flow lens
Active listings
145
90-day

Valuation3 lenses, different anchors

vs assessor
-14.9%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$320,000
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$246
Price-to-income4.4×

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How 60634 ranks in IL
percentile vs all Illinois ZIPs · n=1303
Market velocity48%
Supply tightness38%
Affordability6%
Investment yield43%
Appreciation38%

Affordability, supply & momentum

21SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply12.4 mo
Days on Market50d
Inv vs History+14.5%
Listing Density--
Affordability — payment burden
Monthly payment (P&I)$1,899
Payment burden26.8%
Median income · ZIP$84,997
Mortgage rate6.49% · 30yr
Total monthly own$2,275
Monthly rent$1,828
Market dynamics
Price cut %24.8%
Momentumwarming
LeverageBALANCED
Months of supply12.4
Sales (90d)0
Investment analysis
Median rent$1,828
Price-to-rent17.1
Est. cap rate3.8%
Buy vs rentneutral

Livability

Walk score5
Transit score20
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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