ZIP 60616 vs ZIP 60639

60616 is one of 167 ZIP codes that lie mostly in Cook County, IL.

Shaded by typical home value, it ranks 19 of the 40 nearby ZIPs shown.

15 school locations in 60616: 8 middle, 6 high, 1 other.

In alphabetical order: Drake Elem School, Dunbar Vocational Career Acad HS, Graham R Training Center, Haines Elem School, and more on the ZIP page. Locations only — no ratings are shown here.

60639 is one of 167 ZIP codes that lie mostly in Cook County, IL.

Shaded by typical home value, it ranks 27 of the 39 nearby ZIPs shown.

17 school locations in 60639: 2 elementary, 10 middle, 5 high.

In alphabetical order: Belmont-Cragin Elem School, Burbank Elem School, Christopher House Chrt ES, CICS - West Belden Campus, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 60616 was worth $202,247.

Values peaked at $391,492 in April 2007. The latest reading is −14.2% from that peak.

As of August 2026: $335,833, −0.8% over twelve months.

Start with the typical home: $335,833. Put 20% down and borrow $268,666 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,860 a month in principal and interest.

The median household here earns $77,841 a year, $6,487 a month. So the payment takes 28.7% 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 17.3% 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 $1,211.

In December 2020, with rates at 2.68%, it was $1,200.

By August 2026, at 6.67%, it was $1,728 — +44% since December 2020, while the home's value moved −9%.

Reported values rose +66% 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 $399,155. So the real change is −16%, not +66%.

60616: +66% since January 2000.

Cook County: +124% since January 2000.

Illinois: +128% since January 2000 — 60616 ran behind it by 62 points.

Against 1,303 Illinois ZIP codes, 60616 sits at the 8th percentile for affordability (price vs local income).

8th for appreciation (recent value growth); 61st for rental yield (rent vs price).

Owning the typical home costs about $2,196 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,801 a month.

Price divided by a year's rent: 15.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 60639 was worth $97,886.

Values peaked at $335,197 in August 2026. The latest reading is the peak.

As of August 2026: $335,197, +4.9% over twelve months.

Start with the typical home: $335,197. Put 20% down and borrow $268,158 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,857 a month in principal and interest.

The median household here earns $59,710 a year, $4,976 a month. So the payment takes 37.3% 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 10.9% 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 $586.

In December 2020, with rates at 2.68%, it was $861.

By August 2026, at 6.67%, it was $1,724 — +100% since December 2020, while the home's value moved +26%.

Reported values rose +242% 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 $193,188. So the real change is +74%, not +242%.

60639: +242% since January 2000.

Cook County: +124% since January 2000.

Illinois: +128% since January 2000 — 60639 ran ahead of it by 115 points.

Against 1,303 Illinois ZIP codes, 60639 sits at the 1st percentile for affordability (price vs local income).

45th for appreciation (recent value growth); 46th for rental yield (rent vs price).

Owning the typical home costs about $2,192 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,776 a month.

Price divided by a year's rent: 15.7. 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 56 a month (Redfin, 3-month rolling data through August 2026). That is 72% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 169. That is 82% of the 2015–2019 level for the same months.

Going out — closed sales: about 45 a month. That is 65% of the 2015–2019 level for the same months. The drain is drawn 18% narrower: the share of homes for sale that sell each month is 82% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 3.8 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 12 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 45 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 56 — so sales ran at 80% of it, and below it in 24 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 33 a month (Redfin, 3-month rolling data through August 2026). That is 57% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 76.

Going out — closed sales: about 26 a month. That is 55% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.0 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 8 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 44 — so sales ran at 59% of it, and below it in 24 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: 169 in June 2026.

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

County assessor records list 16,923 properties with a market value here. Their average assessed market value is $480,000; the typical home value is $335,833.

The assessor average sits +42.9% 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: 76 in June 2026.

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

County assessor records list 41,052 properties with a market value here. Their average assessed market value is $310,000; the typical home value is $335,197.

The assessor average sits −7.5% from the market figure — an average against a typical value, so treat it as a check, not a verdict.