Cook County, IL · 21,147 properties with county records
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Chicago 60649 is in Cook, IL, part of the Chicago Metro. The ZIP-wide typical value in Chicago 60649 is $143,026 (Zillow Home Value Index, September 2026), down 4.0% from a year earlier. Homes that sold went under contract in a median 72 days, and 21% of listings took a price cut (Redfin Data Center, period ending Sep 30, 2026). On Lotvox's market-leverage reading of that data, with 5.3 months of supply, neither buyers nor sellers hold a clear edge. The Lotvox Turnover Index is not published for 60649 yet: it appears only where a held-out test on the county's recorded sales beats chance. Across Cook's 165 ZIPs with a Zillow value, the middle one is $332,308, so 60649 sits 57% below the county middle. Typical rent is $1,281 a month (Zillow Observed Rent Index, September 2026). Lotvox holds county assessor records for 21,147 properties in 60649.
Headline value data through September 2026. Each source below carries its own date.
Is 60649 a buyer's or seller's market?
By Lotvox's leverage reading of Redfin data through Sep 30, 2026, 60649 is a balanced market. Homes went under contract in a median 72 days with 5.3 months of supply.
What do homes in 60649 sell for?
The ZIP-wide typical value in 60649 is $143,026 (Zillow Home Value Index, September 2026), down 4.0% in a year. County records put the median at about $92 per square foot (computed Apr 21, 2026).
Who is likely to sell in 60649?
Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 60649 has not passed that test yet. When it does, the score appears here.
How does 60649 compare to Cook?
60649's ZIP-wide typical value of $143,026 compares with a middle value of $332,308 across Cook's 165 ZIPs. Both are Zillow Home Value Index figures for September 2026.
Where does this 60649 data come from?
Values and rents come from Zillow's research data, sales pace from the Redfin Data Center, and property counts and turnover from county assessor and deed records. Each number on this page carries its own date, and the method is published at lotvox.com/methodology.
Cite as: Lotvox ZIP market record, 60649 Chicago, IL, data through September 2026, https://lotvox.com/chicago/zip/60649
Listings Flow Ladder — 60649
Faucet, basin and drain — new listings in, active inventory, closed sales out.as of Sep 30, 2026
the basin is fillingnet 11 listings/mo
Faucet — new listings
37/mo
95% of normal (39) · normal
Basin — active listings
133
91% of normal (146) · balanced· baseline thin
Months of supply
5.3 mo
derived — not published at this grain
Drain — closed sales
25/mo
107% of normal (24)· baseline thin
Net — faucet minus drain
+11/mo
filling
Reading
current
as of 2026-09-30
Compare against:2015-01-01 to 2019-12-31 · 5 same-month points
How plugged is the drain? Two definitions, both ours, deliberately not reconciled.
0%Absorption vs its own normal— 1 - (closed sales / active listings) / same-month median of that ratio
0%Closed sales vs its own normal— 1 - closed sales per month / same-month median closed sales per month
Closed sales over 24 months — two different numbers, deliberately not merged.
2/mofall in the monthly rate (8%)— peak 28/mo (2025-05-31) to 25/mo now
39transactions that did not happen— summed monthly shortfall vs the same-month normal, over 14 months below it (vs 2015-19 (COVID excluded))
rate_drop_from_peak is a change in the monthly rate; cumulative_shortfall_vs_normal counts transactions not transacted. They are different quantities and are not interchangeable.
2026-09-30
Redfin market data (county + ZIP), via Lotvox. As of 2026-09-30. Normal = same-month median of monthly rates, minimum 3 same-month points. Source window 3 months (flows shown per month). months_of_supply is not published at this grain (0 non-null rows measured); derived here as active listings / closed sales per month. A fresher supply-only read (20 new, 88 active, 2026-09-01, Realtor.com inventory (county + ZIP), via Lotvox) is available but is NOT used in the net — that source publishes no closed sales, so subtracting across it would mix two vintages.
Should you buy here?
buyer-timing lens
65affordability /100
Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.
Payment burden
23.5%
affordable
Days on market
72
daily
Price cuts
20.6%
of active
Valuation
+33.5%
vs assessor
Days on market and price cuts: Redfin Data Center, rolling 90 days.
Rent: Zillow Observed Rent Index (ZORI). Ownership cost: Zillow Home Value Index (ZHVI), 20% down, 30-year loan at the current mortgage rate, plus 1.2% of the price a year.
Rent to price — the investor's question first
9.3×
price to annual rent
Lower is friendlier to a buy-to-let case. This is a ratio of published medians, not a yield on any particular property.
Price: Zillow Home Value Index (ZHVI). Annual rent: 12 months of Zillow Observed Rent Index (ZORI).
Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.
Buyer / seller
buyer-timing lens
Seller's Market
DOM: 109d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)0
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)0
Cancellation Rate (10%)75
Days on Market (5%)100
Seller-favored market in 60649. Expect to pay at or near list price. Payment burden: 21.3% of median income. Median days on market: 109.
Buyer Caution
Seller's market. Be prepared to pay near list price.
Competitive market similar to 2021-2022 — limited inventory driving prices above fundamentals.
COOLINGBALANCED
Market is cooling with expanding inventory. Conditions are balanced between buyers and sellers. Prices down 4.0% YoY.
Address lookup
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Median price: Zillow Home Value Index (ZHVI). Median rent: Zillow Observed Rent Index (ZORI). Days on market and active listings: Redfin Data Center, rolling 90 days.
Valuation
3 lenses, different anchors
vs assessor
+33.5%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$191,010
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+44.8%
County-wide market — the widest, slowest signal.
Cook+44.8%
Cook+44.8%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
in 29,367 · out 41,339 · Cook County, IL (parent county of this ZIP)
active inventory
as of 2026-07-01 · IRS SOI county-to-county migration flows 2022-2023 + Redfin inventory history
Price bands
mix-shift
Price Bands — the median behind the median
A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Cook.
Current tiers · 12 months to Aug 25floor 10 sales/tier
7 tiers had too few sales at every level and are left blank rather than estimated.
Tier
Median
$/sqft
Sales
Share
Source
Under $250k
—
—
—
—
fewer than 10 sales at zip, county and metro level
$250k–$500k
—
—
—
—
fewer than 10 sales at zip, county and metro level
$500k–$750k
—
—
—
—
fewer than 10 sales at zip, county and metro level
$750k–$1M
—
—
—
—
fewer than 10 sales at zip, county and metro level
$1M–$1.5M
—
—
—
—
fewer than 10 sales at zip, county and metro level
$1.5M–$2M
—
—
—
—
fewer than 10 sales at zip, county and metro level
$2M+
—
—
—
—
fewer than 10 sales at zip, county and metro level
All sales (the headline median)
$310k
$225
12
100%
COUNTY · Cook, IL
No mix-shift history for this area. no geography from this ZIP up to metro has 8+ quarters of 10+ recorded arms-length sales across at least 4 price tiers. Trends are drawn only from recorded transactions; the last-sale snapshot above cannot carry a time series, because a property that sold twice keeps only its latest sale — which drags the history upward through the tiers and would invent the very mix shift this section exists to test for.
National context — not local
NAR's aggregate existing-home median for the United States and the Midwest census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 60649.
United States
Midwest
Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.
Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.
This ZIP code crosses county lines. Property data shows Cook (66.7%) and Cook (33.3%). County metrics below are shown separately for each county.
Cook (66.7%)
Cook (33.3%)
ZIP 60649→2 counties
12-Month Direction
+19Moderate Improvement
Confidence
100%
DeterioratingStableImproving
BuildersLens Market Intelligence
Market Score
38· Weak
Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.
Payment Burden
23.5%
affordable
Source: Freddie Mac PMMS (FRED MORTGAGE30US) 7.32% · Zillow ZHVI · Census income · Updated 2026-10-22
Price-to-rent
9.3x
favors buying
Source: Zillow ZHVI ÷ (Zillow ZORI × 12)
Valuation0
+44.8%
overvalued
Source: Lotvox comps · Updated 2026-05-15
Supply/Demand
5.3 mo
balanced
Source: Redfin Data Center (ZIP): inventory ÷ monthly homes sold · Updated 2026-09-30
Insurance Risk
28/100
low_risk
Source: FEMA/NFIP · Updated 2026-04
County distress indicators
ECONOMIC INDICATORS
Economic indicators are mixed relative to comparable U.S. counties.
Unemployment Rate
5.9%
IL 5.2%US 4.4%
Higher than many comparable counties
Source: BLS LAUS · 2026-0858d ago
Poverty Rate
13.2%
IL 11.6%US 12.6%
Near national averages
Median Household Income
$81,797
IL $83,872US $82,006
Higher than most U.S. counties
Cost of Living (RPP)
97
IL 97US 100.3
Near national averages
Home Value (ZHVI)$334,930
County data: Zillow Home Value Index (ZHVI), BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA · Coverage derived from property records · Counties with <2% coverage excluded as likely data errors
ZIP-wide typical value: Zillow Home Value Index (ZHVI); change is the 12-month change.
Owner stock, age of householder
Tenure by age of householder (ACS B25007) is not published below county. Any ZIP figure here is DERIVED from the county's age-specific owner rates applied to this ZIP's own age structure — never read directly.
Derived — this ZIP
11.7% in 2023
of owner-occupied homes have a householder 75 or older
