ZIP 60712 vs ZIP 60646

60712 is one of 167 ZIP codes that lie mostly in Cook County, IL.

Shaded by typical home value, it ranks 14 of the 39 nearby ZIPs shown.

4 school locations in 60712: 2 elementary, 1 middle, 1 high.

In alphabetical order: Bridges Adult Transition Center, Lincoln Hall Middle School, Rutledge Hall Elem School, Todd Hall Elem School. Locations only — no ratings are shown here.

60646 is one of 167 ZIP codes that lie mostly in Cook County, IL.

Shaded by typical home value, it ranks 12 of the 39 nearby ZIPs shown.

4 school locations in 60646: 4 middle.

In alphabetical order: Edgebrook Elem School, Hitch Elem School, Sauganash Elem School, Wildwood Elem School. Locations only — no ratings are shown here.

In January 2000 the typical home in 60712 was worth $319,919.

Values peaked at $592,126 in July 2006. The latest reading is −2.2% from that peak.

As of August 2026: $579,034, +8.1% over twelve months.

Start with the typical home: $579,034. Put 20% down and borrow $463,227 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,207 a month in principal and interest.

The median household here earns $107,950 a year, $8,996 a month. So the payment takes 35.7% 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 19.7% 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 $1,916.

In December 2020, with rates at 2.68%, it was $1,305.

By August 2026, at 6.67%, it was $2,979 — +128% since December 2020, while the home's value moved +44%.

Reported values rose +81% 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 $631,393. So the real change is −8%, not +81%.

60712: +81% since January 2000.

Cook County: +124% since January 2000.

Illinois: +128% since January 2000 — 60712 ran behind it by 47 points.

Against 1,303 Illinois ZIP codes, 60712 sits at the 2nd percentile for affordability (price vs local income).

73rd for appreciation (recent value growth); 41st for rental yield (rent vs price).

Owning the typical home costs about $3,786 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,793 a month.

Price divided by a year's rent: 17.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 60646 was worth $237,105.

Values peaked at $564,169 in August 2026. The latest reading is the peak.

As of August 2026: $564,169, +7.5% over twelve months.

Start with the typical home: $564,169. Put 20% down and borrow $451,335 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,125 a month in principal and interest.

The median household here earns $111,115 a year, $9,260 a month. So the payment takes 33.7% 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 14.2% 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 $1,420.

In December 2020, with rates at 2.68%, it was $1,386.

By August 2026, at 6.67%, it was $2,902 — +109% since December 2020, while the home's value moved +32%.

Reported values rose +138% 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 $467,951. So the real change is +21%, not +138%.

60646: +138% since January 2000.

Cook County: +124% since January 2000.

Illinois: +128% since January 2000 — 60646 ran ahead of it by 10 points.

Against 1,303 Illinois ZIP codes, 60646 sits at the 3rd percentile for affordability (price vs local income).

68th for appreciation (recent value growth); 12th for rental yield (rent vs price).

Owning the typical home costs about $3,689 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,906 a month.

Price divided by a year's rent: 24.7. 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 15 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 37.

Going out — closed sales: about 11 a month.

The ladder: homes for sale ÷ monthly sales = 3.4 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 came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 11 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 17 — so sales ran at 65% of it, and below it in 18 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 32 a month (Redfin, 3-month rolling data through August 2026). That is 67% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 58.

Going out — closed sales: about 28 a month. That is 75% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 2.0 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 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 28 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 32 — so sales ran at 88% 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: 37 in June 2026.

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

County assessor records list 13,435 properties with a market value here. Their average assessed market value is $400,000; the typical home value is $579,034.

The assessor average sits −30.9% 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: 58 in June 2026.

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

County assessor records list 27,045 properties with a market value here. Their average assessed market value is $470,000; the typical home value is $564,169.

The assessor average sits −16.7% from the market figure — an average against a typical value, so treat it as a check, not a verdict.