Chicago 60654
Cook County, IL · 4,102 properties · updated 7/5/2026
Should you buy here?buyer-timing lens
74affordability /100
Buyer leverage is balanced; weigh payment burden and the 3-lens valuation before bidding.
Payment burden
15.5%
affordable
Days on market
48
daily
Price cuts
12.5%
of active
Valuation
+285.8%
vs assessor
62
/100
Stable
stable · balanced · prices easing year-over-year.
Price trend
50
Affordability
95
Valuation
20
Economic health
74
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
Seller's Market
DOM: 82d (rising) · 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%)0
Days on Market (5%)75
Seller-favored market in 60654. Expect to pay at or near list price. Payment burden: 15.5% of median income. Median days on market: 82.
Buyer Caution
Seller's market. Be prepared to pay near list price.
Competitive market similar to 2021-2022 — limited inventory driving prices above fundamentals.
STABLEBALANCED
Market is holding steady with balanced conditions. Conditions are balanced between buyers and sellers.
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Market snapshoteach number, once
Median price
$370,618
▾ 0.8% YoY
Days on market
48
daily · zip_data
Median rent
$2,970
ZORI
Investor score
82/100
cash-flow lens
Active listings
150
90-day
Valuation3 lenses, different anchors
vs assessor
+285.8%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$1,430,000
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$390
Price-to-income2.6×
How 60654 ranks in IL
percentile vs all Illinois ZIPs · n=1303
Market velocity51%
Supply tightness25%
Affordability49%
Investment yield90%
Appreciation9%
Affordability, supply & momentum
27SUPPLY
BalancedSupply Tightness
Supply and demand are roughly even — standard negotiation dynamics.
Months of Supply13.8 mo
Days on Market48d
Inv vs History-10.2%
Listing Density--
Affordability — payment burden
Monthly payment (P&I)$1,872
Payment burden15.5%
Median income · ZIP$144,831
Mortgage rate6.49% · 30yr
Total monthly own$2,243
Monthly rent$2,970
Market dynamics
Price cut %12.5%
Momentumstable
LeverageBALANCED
Months of supply13.8
Sales (90d)0
Investment analysis
Median rent$2,970
Price-to-rent10.4
Est. cap rate6.3%
Buy vs rentfavors buying
Livability
Walk score100
Transit score27
Bike score—
Historical trends
Cook County contextmacro · jobs · debt · migration
ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.