City · 15,325 residents · Kankakee County, Illinois
Bradley, Illinois
In Bradley, a typical home is worth $173,400 and typical rent is $1,186 a month. Compared with all of Kankakee County, the typical home value is 10% lower, typical rent is 8% higher, and the share of households that own their home is 5 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $144,833 to $190,229.
Typical rent
$1,500a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Bradley is in Kankakee County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Kankakee County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Kankakee, the typical home value is $104,900: 40% less than in Bradley ($173,400).
2
64% of households in Bradley own their home, against 70% in Kankakee County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Bradley
What homes there are in Bradley, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Bradley
Kankakee County
Illinois
United States
Kind of home: Bradley and its comparisons
Measure
Bradley
Kankakee County
Illinois
United States
Detached house
78%
71%
58%
61%
Attached house
Unreliable estimate
5%
6%
6%
Building of 2 to 4
10%
8%
12%
8%
Apartments (5 or more)
Unreliable estimate
10%
22%
19%
Mobile home
Unreliable estimate
7%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Bradley: 78% of homes, more than in Kankakee County (71%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Bradley
Kankakee County
Illinois
United States
Year built: Bradley and its comparisons
Measure
Bradley
Kankakee County
Illinois
United States
Before 1960
33%
32%
38%
26%
1960–1979
28%
33%
26%
24%
1980–1999
18%
18%
20%
25%
2000–2009
17%
12%
11%
14%
2010 or later
5%
5%
6%
11%
The typical year built in Bradley is 1974, about the same as in Kankakee County (1972).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitCould be either sideUnreliable estimate
Under $100K6%
$100K–$200K56%
$200K–$300K22%
$300K–$500K15%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Bradley and its comparisons
Measure
Bradley
Under $100K
6%
$100K–$200K
56%
$200K–$300K
22%
$300K–$500K
15%
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
The FHA limit for Kankakee County is high ($541,287): at least 99% of owner-occupied homes in Bradley are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99931%
$1,000–$1,49944%
$1,500–$1,99919%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Bradley and its comparisons
Measure
Bradley
Under $500
Unreliable estimate
$500–$999
31%
$1,000–$1,499
44%
$1,500–$1,999
19%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,560 a month
Kankakee County: $1,649 a month
Without a mortgage
$623 a month
Kankakee County: $718 a month
Owners with a mortgage
66%
Kankakee County: 58%
The typical cost for an owner with a mortgage in Bradley is $1,560 a month, less than in Kankakee County ($1,649); without one, $623.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Bradley+28%
Kankakee County+30%
Illinois+35%
United States+53%
Typical rent
Bradley+14%
Kankakee County+24%
Illinois+26%
United States+33%
Typical household income
BradleyNo clear change
Kankakee County+21%
Illinois+27%
United States+29%
Change since 2015–2019: Bradley and its comparisons
Measure
Bradley
Kankakee County
Illinois
United States
Typical home value
+28%
+30%
+35%
+53%
Typical rent
+14%
+24%
+26%
+33%
Typical household income
No clear change
+21%
+27%
+29%
The typical home value in Bradley rose 28% since 2015–2019, about the same as in Kankakee County (30%).
Since 2015–2019, the typical rent in Bradley rose 14%, less than in Kankakee County (24%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Bradley and its comparisons
Measure
Bradley
Kankakee County
Illinois
United States
Rental vacancy
Unreliable estimate
4.2%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
1.2%
1.0%
0.9%
More than one person per room
Unreliable estimate
2.0%
2.5%
3.4%
People per household
2.47
2.48
2.46
2.53
Drive alone
79%
78%
66%
69%
Carpool
8%
8%
8%
9%
Public transit
Unreliable estimate
1%
6%
3%
Walk or bike
Unreliable estimate
3%
3%
3%
Work from home
7%
8%
16%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
A household in Bradley has 2.47 people on average, about the same as in Kankakee County (2.48).
The car rules in Bradley: 79% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Bradley?
A typical home is tight for the typical income
We start with a typical home in Bradley, worth $173,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Bradley, which is $67,420 a year. For that payment to be 28% of income, a household would need to earn about $70,306 a year.
The calculator's FHA and conventional loan limits are those of all of Kankakee County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Bradley. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $6,069 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,641
at 7.18% · 30 years
Loan amount
$170,259
Total interest
$244,963
Paid off in
November 2056
Includes $2,928 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,573 a month
Tight
$1,573 to $2,023 a month
Your payment · 29%
Hard
more than $2,023 a month
Compared with the typical household income in Bradley ($67,420 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,153
Property tax
$338
Home insurance
$72
FHA mortgage insurance (MIP)
$77
You need at least $6,069 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,641; principal and interest $1,153.
The city and its county
Bradley and Kankakee County
Bradley is in Kankakee County, Illinois. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Bradley
Map of Kankakee County, Illinois, with Bradley marked. Around it, the neighboring counties.
Bradley
Kankakee County
Other cities with a page
Bradley's own numbers
Typical home value
$173,400
Typical monthly rent
$1,186
Typical yearly household income
$67,420
Households that own their home
64%
Effective property tax rate
2.34%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Kankakee County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,349
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
4.6%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Kankakee County.
A typical home in Bradley is worth $173,400: 10% below the county and 34% below Illinois. With the typical household income in Bradley ($67,420 a year), a typical home costs 2.6 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Bradley2.6 years
Kankakee2.7 years
Illinois3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Kankakee County
According to FHFA’s house price index, home prices in Kankakee County rose 68% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Kankakee County.
Yearly change in FHFA’s price index in Kankakee County, 2016 to 2025
2016: +1.7% +1.7% 2016
2017: +1.7% +1.7% 2017
2018: +3.7% +3.7% 2018
2019: +4.3% +4.3% 2019
2020: +2.6% +2.6% 2020
2021: +9.2% +9.2% 2021
2022: +13.7% +13.7% 2022
2023: +7.4% +7.4% 2023
2024: +6.7% +6.7% 2024
2025: +3.0% +3.0% 2025
Change in FHFA’s price index in Kankakee County, Illinois and the United States
Period
County
Illinois
U.S.
Last year (2025)
+3.0%
+5.7%
+2.9%
5 years (2020–2025)
+46%
+47%
+47%
10 years (2015–2025)
+68%
+65%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Bradley next to Kankakee County, Illinois and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Bradley$173,400
Kankakee$192,600
Illinois$263,300
United States$332,700
Typical monthly rent
Bradley$1,186
Kankakee$1,097
Illinois$1,274
United States$1,413
Typical yearly household income
Bradley$67,420
Kankakee$71,281
Illinois$83,390
United States$80,734
See the full table
Bradley next to Kankakee County and Illinois
Measure
Bradley
Kankakee County
Illinois
U.S.
Typical home value
$173,400 ▼10% below the county
$192,600
$263,300
$332,700
Typical monthly rent
$1,186 ▲8% above the county
$1,097
$1,274
$1,413
Typical yearly household income
$67,420 ▼5% below the county
$71,281
$83,390
$80,734
Households that own their home
64% ▼5 points below the county
70%
67%
65%
Typical yearly property tax
$4,049 ▼5% below the county
$4,266
$5,298
$3,119
Effective property tax rate
2.34% ▲0.13 points above the county
2.21%
2.01%
0.94%
Renters with high rent for their income
46% ▼1 points below the county
47%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kankakee County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Bradley
For a typical $173,400 home in Bradley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bradley's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,640a month
Least cash to close
Down payment
$6,069
Cash to close
$11,271
Rate
7.18%
Mortgage insurance
FHA MIP · $77
Conventional, 5% down$1,609a month
Down payment
$8,670
Cash to close
$13,872
Rate
7.18%
Mortgage insurance
PMI · $82
Conventional, 20% down, no PMI$1,350a month
Down payment
$34,680
Cash to close
$39,882
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,510a month
Down payment
$26,010
Cash to close
$31,212
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Bradley
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,640
$6,069
$170,259
7.18%
FHA MIP · $77
$11,271
580
Conventional, 5% down
$1,609
$8,670
$164,730
7.18%
PMI · $82
$13,872
620*
Conventional, 20% down, no PMI
$1,350
$34,680
$138,720
7.18%
None
$39,882
620*
ITIN, 15% down (example)
$1,510
$26,010
$147,390
8.18%
None
$31,212
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Bradley is $1,186 a month: 8% above the county. In Bradley, 46% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Kankakee County, by unit size. To pay the 2-bedroom one ($1,349 a month) without spending more than 30% of your income, you would need to earn $25.94 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Kankakee County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$939
$18.06
$37,560
1 bedroom
$1,031
$19.83
$41,240
2 bedrooms
$1,349
$25.94
$53,960
3 bedrooms
$1,775
$34.13
$71,000
4 bedrooms
$1,876
$36.08
$75,040
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Bradley
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bradley has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,370 in 60915 to $1,530 in 60914.
2 of the 2 are above the fair market rent for Kankakee County ($1,349).
Fair market rent by ZIP code and size in Bradley, fiscal year 2027.
60914
$1,070
$1,170
$1,530
$2,010
$2,130
60915
$950
$1,050
$1,370
$1,800
$1,910
ZIP code2 bd3 bd
60914 $1,530$2,010
60915 $1,370$1,800
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bradley when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Kankakee County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Bradley or Kankakee County. The ones below are statewide in Illinois: they work in Bradley the same as in the rest of the state.
IHDA second loan with no payments until you sell or refinance, for the down payment in Illinois.Offered by Illinois Housing Development Authority (IHDA).
No legal help resource on our list is for Bradley or Kankakee County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Bradley and all of Kankakee County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Bradley?
The typical home value in Bradley is $173,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kankakee County it is $192,600.
How much does it cost to rent in Bradley?
Typical rent in Bradley is $1,186 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kankakee County is $1,349.
What is the FHA loan limit in Bradley?
Bradley uses the FHA limit for all of Kankakee County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Bradley?
The typical homeowner in Bradley pays $4,049 a year, according to the U.S. Census Bureau. That is 2.34% of the home’s value; in Kankakee County, the rate is 2.21%.
Where can I find free help to buy or rent in Bradley?
We found no HUD-approved counseling agencies with an office in Kankakee County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
