Lotvox market story

ZIP 60546

Cook County, IL

What homes are worth, what they cost to carry, how fast they sell — one step at a time.

Typical home value
$426,888
12-month change
+6.4%
Months of supply
1.4

This week since 2026-10-08: Months of supply 1.4 (was 1.5) · Payment share of income 25.8% (was 25.5%)

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Who's going to sell in 60546 this year?

Lotvox Turnover Index

Ranking every home in 60546 by how likely it is to sell

Lotvox Turnover Index
Not yet live
Source: County assessor and recorder public records; Lotvox analysis (calculations on the sources above) · accuracy by ZIP · methodology

The Lotvox Turnover Index isn't offered for 60546 yet.

Where

60546 in Cook County, IL

60546 · $426,88860141 · no value published60513 · $362,23860534 · $280,27960130 · $290,97860155 · $285,28060153 · $263,81760304 · $511,91260402 · $317,00960526 · $502,90860305 · $736,11360301 · $303,31560501 · $284,39760302 · $471,88760804 · $279,70460154 · $371,21660104 · $261,18960525 · $505,07560160 · $330,55160171 · $325,90060165 · $272,51060162 · $295,79360644 · $225,73160558 · $913,43160638 · $329,69260163 · $309,43860164 · $316,76560707 · $356,23260458 · $301,94360651 · $288,33760455 · $319,87860459 · $316,15660634 · $380,56760131 · $324,01560639 · $335,19760624 · $228,92660623 · $226,24760632 · $288,05160457 · $345,68060176 · $316,370 60546
$226K$913K typical home value
Source: Census TIGER/Line · Zillow (ZHVI)Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

60546 is one of 167 ZIP codes that lie mostly in Cook County, IL.

Shaded by typical home value, it ranks 7 of the 39 nearby ZIPs shown.

Value rank among nearby ZIPs
7 of 39

Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research

Local life

Schools in 60546

6 school locations in 60546: 3 elementary, 2 middle, 1 high.

In alphabetical order: A F Ames Elem School, Blythe Park Elem School, Central Elem School, Komarek Elem School, and more on the ZIP page. Locations only — no ratings are shown here.

School locations
6

Source: U.S. Department of Education, National Center for Education Statistics (school locations)

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What it costs

Home values

What homes are worth in 60546

$0$200K$400K$600K200020052010201520202025Peak August 2026 · $426,888Latest · $426,888
Typical home value
Source: Zillow (ZHVI) · as of 2026-08-31Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

In January 2000 the typical home in 60546 was worth $203,750.

Values peaked at $426,888 in August 2026. The latest reading is the peak.

As of August 2026: $426,888, +6.4% over twelve months.

Typical home value
$426,888
12-month change
+6.4%

Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31

Housing pulse

Monthly cost vs. price

Typical home
$426,888
Loan at 20% down
$341,510
30-year fixed rate
7.40%
Monthly principal + interest
$2,365
Median household income, per month
$9,161
Share of income
25.8%
0%30%60%
At today's rate, by home value, 2000–2026: 12.3% → 25.8%
Source: Zillow (ZHVI) · Freddie Mac via FRED · Census ACS · Lotvox · as of 2026-08-31Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

Start with the typical home: $426,888. Put 20% down and borrow $341,510 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,365 a month in principal and interest.

The median household here earns $109,933 a year, $9,161 a month. So the payment takes 25.8% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 12.3% in 2000.

Payment share of income
25.8%
Monthly P&I
$2,365

Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

Lotvox lens

The payment, at each month's rate

$0$1K$2K$3K2000200520102015202020252.68% rate · $1,0266.67% rate · $2,196
Monthly P&I at that month's 30-year rate
Source: Zillow (ZHVI) · Freddie Mac via FRED · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,220.

In December 2020, with rates at 2.68%, it was $1,026.

By August 2026, at 6.67%, it was $2,196 — +114% since December 2020, while the home's value moved +35%.

Payment change since 2020
+114%

Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08

Lotvox lens

Home value after inflation

$0$200K$400K$600K$800K200020052010201520202025
Home value (as reported)Prices in general (CPI-U), scaled to January 2000Home value in August 2026 dollars
Source: Zillow (ZHVI) · BLS CPI via FRED · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.

Reported values rose +110% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $402,122. So the real change is +6%, not +110%.

Real change since 2000
+6%

Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.

Home values

60546 against its neighbors

50100150200250200020052010201520202025
60546 (2000 = 100)Cook County (2000 = 100)Illinois (2000 = 100)
Source: Zillow (ZHVI) · Lotvox · as of 2026-08Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08

60546: +110% since January 2000.

Cook County: +124% since January 2000.

Illinois: +128% since January 2000 — 60546 ran behind it by 18 points.

Change since 2000
+110%

Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08

Lotvox lens

60546 among Illinois ZIPs

Affordability — price vs local income
14th pct
Appreciation — recent value growth
56th pct
Rental yield — rent vs price
29th pct
Source: Zillow (ZHVI) · Census ACS · LotvoxSource: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above)

Against 1,303 Illinois ZIP codes, 60546 sits at the 14th percentile for affordability (price vs local income).

56th for appreciation (recent value growth); 29th for rental yield (rent vs price).

Affordability percentile
14th

Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above)

Lotvox lens

Rent or own

Own: payment + 1.2%/yr taxes & insurance
$2,791
principal + interest $2,365 · taxes & insurance est. $426
Rent: typical rent (ZORI)
$1,726
Price-to-rent ratio
20.6
Source: Zillow (ZHVI) · Zillow (ZORI) · Freddie Mac via FRED · LotvoxSource: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)

Owning the typical home costs about $2,791 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,726 a month.

Price divided by a year's rent: 20.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Price-to-rent
20.6

Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)

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What's moving

Housing pulse

Listings Flow Ladder

per month / homes for sale2024-092026-08balanced 4–6 mo1.4 mo1.4 months of supplyNet −4 / month · inventory shrinking
New listings / monthHomes for saleClosed sales / monthBasin water level = months of supply
Source: Redfin · Lotvox · as of 2026-08-31Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 17 a month (Redfin, 3-month rolling data through August 2026). That is 56% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 29.

Going out — closed sales: about 21 a month.

The ladder: homes for sale ÷ monthly sales = 1.4 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 4 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Months of supply
1.4

Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31

Housing pulse

Sales pace vs. normal

010203020252026
Homes sold per monthSame months, 2015–2019
Source: Redfin · Lotvox · as of 2026-08Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08

Homes sold: about 21 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 22 — so sales ran at 95% of it, and below it in 22 of the last 24 months.

Sales vs 2015–19 level
95%

Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08

New supply

Homes being permitted

02,5005,0007,50010,00020228,32520234,85420246,50720254,969
1-unit buildings2–4 units5+ units
Source: Census permits · as of 2025Source: U.S. Census Bureau, Building Permits Survey · data as of 2025

Across Cook County, builders pulled permits for 4,969 new homes in 2025.

Of those, 24% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Units permitted 2025
4,969

Source: U.S. Census Bureau, Building Permits Survey · data as of 2025

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Who's holding, who's leaving

Housing pulse

Migration and inventory

Moved in (top-10 origin counties)
29,367
Moved out (top-10 destination counties)
41,339
Net households
−11,972
Top origins
DuPage, IL8,374
Lake, IL4,959
Will, IL4,824
Top destinations
DuPage, IL11,143
Will, IL6,972
Lake, IL6,447
Homes for sale, 2012–2026
Source: IRS SOI · Redfin · as of 2026-06-01Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01

This ZIP sits in Cook County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 29,367 moved in. Among the ten receiving the most, 41,339 moved out.

Net across those counties: −11,972 households. Beside it, homes for sale in this ZIP: 29 in June 2026.

Most arrivals came from DuPage, IL (8,374 households); most departures went to DuPage, IL (11,143).

Net households (top-10 flows)
−11,972

Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01

County records

On the county rolls

Properties on the assessor roll
15,943
Average assessor market value
$341,330
Typical home value (ZHVI)
$426,888
Assessor vs market
−20.0%
Source: County records · Zillow (ZHVI) · LotvoxSource: County assessor and recorder public records; Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above)

County assessor records list 15,943 properties with a market value here. Their average assessed market value is $341,330; the typical home value is $426,888.

The assessor average sits −20.0% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

Properties on the roll
15,943

Source: County assessor and recorder public records; Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above)

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What to do

Own a home here?What's my home worth?Enter your address for a county-record value range. Buying?Compare 60546 with 60634The same story, side by side. An agent?See where the index is livethe farm territory and this page's sponsor spot.

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