ZIP 60612 vs ZIP 60640

60612 is one of 167 ZIP codes that lie mostly in Cook County, IL.

Shaded by typical home value, it ranks 15 of the 40 nearby ZIPs shown.

25 school locations in 60612: 1 elementary, 16 middle, 8 high.

In alphabetical order: Beidler Elem School, Brown W Elem School, Cather Elem School, Cook Co Juvenile-Jefferson Alt HS, and more on the ZIP page. Locations only — no ratings are shown here.

60640 is one of 167 ZIP codes that lie mostly in Cook County, IL.

Shaded by typical home value, it ranks 22 of the 39 nearby ZIPs shown.

7 school locations in 60640: 4 middle, 3 high.

In alphabetical order: Courtenay Elem Language Arts Ctr, Devry Advantage Academy High Schl, Goudy Technology Academy, McCutcheon Elem School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 60612 was worth $197,140.

Values peaked at $419,804 in June 2007. The latest reading is −10.4% from that peak.

As of August 2026: $375,936, +5.6% over twelve months.

Start with the typical home: $375,936. Put 20% down and borrow $300,749 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,082 a month in principal and interest.

The median household here earns $60,457 a year, $5,038 a month. So the payment takes 41.3% of income — rated “severe” (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 21.7% in 2000.

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 $1,180.

In December 2020, with rates at 2.68%, it was $1,179.

By August 2026, at 6.67%, it was $1,934 — +64% since December 2020, while the home's value moved +3%.

Reported values rose +91% 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 $389,076. So the real change is −3%, not +91%.

60612: +91% since January 2000.

Cook County: +124% since January 2000.

Illinois: +128% since January 2000 — 60612 ran behind it by 37 points.

Against 1,303 Illinois ZIP codes, 60612 sits at the 1st percentile for affordability (price vs local income).

52nd for appreciation (recent value growth); 72nd for rental yield (rent vs price).

Owning the typical home costs about $2,458 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,411 a month.

Price divided by a year's rent: 13.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 60640 was worth $149,539.

Values peaked at $371,774 in August 2026. The latest reading is the peak.

As of August 2026: $371,774, +4.6% over twelve months.

Start with the typical home: $371,774. Put 20% down and borrow $297,419 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,059 a month in principal and interest.

The median household here earns $71,030 a year, $5,919 a month. So the payment takes 34.8% of income — rated “stretched” (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 14.0% in 2000.

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 $895.

In December 2020, with rates at 2.68%, it was $926.

By August 2026, at 6.67%, it was $1,913 — +107% since December 2020, while the home's value moved +30%.

Reported values rose +149% 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 $295,131. So the real change is +26%, not +149%.

60640: +149% since January 2000.

Cook County: +124% since January 2000.

Illinois: +128% since January 2000 — 60640 ran ahead of it by 21 points.

Against 1,303 Illinois ZIP codes, 60640 sits at the 2nd percentile for affordability (price vs local income).

33rd for appreciation (recent value growth); 58th for rental yield (rent vs price).

Owning the typical home costs about $2,431 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,018 a month.

Price divided by a year's rent: 15.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

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 40 a month (Redfin, 3-month rolling data through August 2026). That is 86% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 104.

Going out — closed sales: about 26 a month. That is 69% of the 2015–2019 level for the same months. The drain is drawn 12% narrower: the share of homes for sale that sell each month is 88% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.1 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 14 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 26 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 30 — so sales ran at 87% of it, and below it in 15 of the last 24 months.

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).

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 70 a month (Redfin, 3-month rolling data through August 2026). That is 63% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 114. That is 36% of the 2015–2019 level for the same months.

Going out — closed sales: about 70 a month. That is 58% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 1.6 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: listings and sales were even.

Homes sold: about 70 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 89 — so sales ran at 79% of it, and below it in 20 of the last 24 months.

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).

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: 104 in June 2026.

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

County assessor records list 14,509 properties with a market value here. Their average assessed market value is $450,000; the typical home value is $375,936.

The assessor average sits +19.7% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

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: 114 in June 2026.

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

County assessor records list 12,000 properties with a market value here. Their average assessed market value is $960,010; the typical home value is $371,774.

The assessor average sits +158.2% from the market figure — an average against a typical value, so treat it as a check, not a verdict.