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City · 10,877 residents · Kane County, Illinois

Campton Hills , Illinois

In Campton Hills, a typical home is worth $547,500 and typical rent is $1,750 a month. Compared with all of Kane County, typical household income is 103% higher, the typical home value is 67% higher, and the share of households that own their home is 23 points higher.

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  • Typical home value

    $547,500

    67% above the county

    108% above Illinois

    • Campton Hills
    • Kane
    • Illinois

  • Typical rent

    $1,750a month

    20% above the county

    37% above Illinois

    • Campton Hills
    • Kane
    • Illinois

  • Typical household income

    $209,134a year

    103% above the county

    151% above Illinois

    • Campton Hills
    • Kane
    • Illinois

  • Households that own their home

    99%

    23 points above the county

    32 points above Illinois

    • Campton Hills
    • Kane
    • Illinois

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$690,977
6.4% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Campton Hills is in Kane 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 Kane County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Campton Hills apart

What this place has that others do not, from public data, most unusual first.

  1. Campton Hills has the highest homeownership rate of the 337 cities in Illinois with more than 5,000 people: 99%.

  2. The typical household income in Campton Hills is $209,134, 103% more than in Kane County as a whole ($103,163).

  3. The typical home in Campton Hills is worth $547,500, 67% more than in Kane County as a whole ($327,000).

  4. Nearby, in Elgin, the typical home value is $273,000: 50% less than in Campton Hills ($547,500).

  5. Nearby, in Elgin, the typical rent is $1,361: 22% less than in Campton Hills ($1,750).

  6. The typical rent in Campton Hills is $1,750 a month, 20% more than in Kane County as a whole ($1,453).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Campton Hills

What homes there are in Campton Hills, 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

The detached house rules in Campton Hills: 98% of homes, more than in Kane County (69%).

Year built

Here half of the homes date from 1989 or later; in Kane County, from 1985 or later.

In Campton Hills, 98% of homes have 3 bedrooms or more, more than in Kane County (68%).

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$3,070 a month

Kane County: $2,256 a month

Without a mortgage

$1,354 a month

Kane County: $958 a month

Owners with a mortgage

70%

Kane County: 67%

The typical cost for an owner with a mortgage in Campton Hills is $3,070 a month, more than in Kane County ($2,256); without one, $1,354.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Campton Hills gained value more slowly than in Kane County: 29% since 2015–2019, against 37%.

Rent in Campton Hills moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCampton HillsKane CountyIllinoisUnited States
Rental vacancy Unreliable estimate3.1%5.0%5.5%
Homeowner vacancy Unreliable estimate0.7%1.0%0.9%
More than one person per room Unreliable estimate3.0%2.5%3.4%
People per household 2.942.772.462.53
Drive alone 68%71%66%69%
Carpool 7%9%8%9%
Public transit Unreliable estimate2%6%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 21%16%16%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Campton Hills are bigger: 2.94 people on average; in Kane County, 2.77.

In Campton Hills, 21% of workers work from home, more than in Kane County (16%).

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Campton Hills?

A typical home is tight for the typical income

We start with a typical home in Campton Hills, worth $547,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Campton Hills, which is $209,134 a year. For that payment to be 28% of income, a household would need to earn about $212,014 a year.

The calculator's FHA and conventional loan limits are those of all of Kane County.

Your numbers

Local data
$

Starts at the typical home value in Campton Hills. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $19,163 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$4,947

at 7.18% · 30 years

Loan amount
$537,583
Total interest
$773,456
Paid off in
November 2056

Includes $9,246 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,880 a month

  • Tight

    $4,880 to $6,274 a month

    Your payment · 28%

  • Hard

    more than $6,274 a month

Compared with the typical household income in Campton Hills ($209,134 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,947
Principal & interest$3,642
Property tax$835
Home insurance$228
FHA mortgage insurance (MIP)$242

You need at least $19,163 for the down payment, plus closing costs.

Next step

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.

The city and its county

Campton Hills and Kane County

Campton Hills is in Kane 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).

Campton Hills's own numbers

Typical home value
$547,500
Typical monthly rent
$1,750
Typical yearly household income
$209,134
Households that own their home
99%
Effective property tax rate
1.83%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Kane County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,011
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
1%

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 Kane County.

Everything about Kane County

Buying

Buying a home in Campton Hills

A typical home in Campton Hills is worth $547,500: 67% above the county and 108% above Illinois. With the typical household income in Campton Hills ($209,134 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.

  • Campton Hills 2.6 years
  • Kane 3.2 years
  • Illinois 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Kane County

According to FHFA’s house price index, home prices in Kane County rose 82% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Kane County.

Period County Illinois U.S.
Last year (2025) +5.8% +5.7% +2.9%
5 years (2020–2025) +56% +47% +47%
10 years (2015–2025) +82% +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

Campton Hills next to Kane 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
  • Campton Hills $547,500
  • Kane $327,000
  • Illinois $263,300
  • United States $332,700
Typical monthly rent
  • Campton Hills $1,750
  • Kane $1,453
  • Illinois $1,274
  • United States $1,413
Typical yearly household income
  • Campton Hills $209,134
  • Kane $103,163
  • Illinois $83,390
  • United States $80,734
See the full table
Campton Hills next to Kane County and Illinois
Measure Campton Hills Kane County Illinois U.S.
Typical home value $547,500 $327,000 $263,300 $332,700
Typical monthly rent $1,750 $1,453 $1,274 $1,413
Typical yearly household income $209,134 $103,163 $83,390 $80,734
Households that own their home 99% 76% 67% 65%
Typical yearly property tax $10,001 $7,382 $5,298 $3,119
Effective property tax rate 1.83% 2.26% 2.01% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kane 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 Campton Hills

For a typical $547,500 home in Campton Hills, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Campton Hills's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,947a month

    Least cash to close
    Down payment
    $19,163
    Cash to close
    $35,588
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $242

  • Conventional, 5% down $4,847a month

    Down payment
    $27,375
    Cash to close
    $43,800
    Rate
    7.18%
    Mortgage insurance
    PMI · $260

  • Conventional, 20% down, no PMI $4,030a month

    Down payment
    $109,500
    Cash to close
    $125,925
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,536a month

    Down payment
    $82,125
    Cash to close
    $98,550
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Campton Hills and for Kane County.

Property tax

Effective rate in Campton Hills

1.83%of the home’s value each year

$10,001 a year for the typical owner in Campton Hills.

  • Campton Hills 1.83%
  • Kane 2.26%
  • Illinois 2.01%

What Illinois publishes General Homestead Exemption (Illinois Department of Revenue)

Exemptions and deadlines in Illinois

Flood risk in Kane County

FEMA does not publish these numbers by city: they are for all of Kane County.

Homes in the high-risk zone
1%
1,465
Of those, with NFIP insurance
28%
County Illinois U.S.
Homes in the high-risk zone 1% 1.5% 3.5%
Of those, with NFIP insurance 28% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Campton Hills

Typical rent in Campton Hills is $1,750 a month: 20% above the county.

HUD publishes a fair market rent for all of Kane County, by unit size. To pay the 2-bedroom one ($2,011 a month) without spending more than 30% of your income, you would need to earn $38.67 an hour working full time.

HUD fair market rent for all of Kane County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,678 $32.27 $67,120
1 bedroom $1,780 $34.23 $71,200
2 bedrooms $2,011 $38.67 $80,440
3 bedrooms $2,586 $49.73 $103,440
4 bedrooms $2,954 $56.81 $118,160

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 Campton Hills

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Campton Hills has 4 ZIP codes with their own.

For 2 bedrooms it runs from $2,340 in 60119 to $3,020 in 60183.

4 of the 4 are above the fair market rent for Kane County ($2,011).

  • 60119 $2,340$3,010
  • 60124 $2,690$3,460
  • 60175 $3,020$3,880
  • 60183 $3,020$3,880

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Campton Hills 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Campton Hills

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.

There are 2 HUD-approved agencies with an office in Kane County; 2 say they serve in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Campton Hills

No down payment, repair or rent-help program on our list is for Campton Hills or Kane County. The ones below are statewide in Illinois: they work in Campton Hills the same as in the rest of the state.

Which programs do I qualify for? All programs in Illinois

  • IHDAccess Home

    Statewide in Illinois

    Limited funds remain, per the source

    IHDA second loan with deferred payments for first-time buyers in Illinois. Offered by Illinois Housing Development Authority (IHDA).

    Deferred

    See the program Official page

  • IHDAccess Forgivable

    Statewide in Illinois

    Limited funds remain, per the source

    IHDA second loan forgiven little by little over ten years, for the down payment in Illinois. Offered by Illinois Housing Development Authority (IHDA).

    Forgivable

    See the program Official page

  • IHDAccess Deferred

    Statewide in Illinois

    Limited funds remain, per the source

    IHDA second loan with no payments until you sell or refinance, for the down payment in Illinois. Offered by Illinois Housing Development Authority (IHDA).

    Deferred

    See the program Official page

Housing counselors near Campton Hills

The HUD-approved agencies closest to the center of Campton Hills, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Consumer Credit Counseling Services of Northern Illinois

    620 Wing St, Elgin · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (815) 338-5757

  • The Neighbor Project

    32 S Broadway, Aurora · 14 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (630) 906-9400

  • Dupage Homeownership Center, Inc. DBA H.o.m.e. Dupage, Inc.

    1600 E Roosevelt Rd, Wheaton · 18 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (630) 260-2500

Every agency in Kane County All counseling agencies in Illinois

Help in Spanish near Campton Hills

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Campton Hills

In HUD’s record, no housing authority with an office in Kane County is named for Campton Hills or Kane County.

2 other authorities have an office in Kane County: see the list Source: HUD

Cities

Other cities in Kane County

These cities are also in Kane County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Kane County Housing in Illinois
See 2 more cities in Kane County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Campton Hills, with the typical home value.

Neighboring counties

If Kane County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Campton Hills.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Campton Hills

Short answers with the numbers for Campton Hills and all of Kane 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 Campton Hills?

The typical home value in Campton Hills is $547,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kane County it is $327,000.

How much does it cost to rent in Campton Hills?

Typical rent in Campton Hills is $1,750 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kane County is $2,011.

What is the FHA loan limit in Campton Hills?

Campton Hills uses the FHA limit for all of Kane 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 Campton Hills?

The typical homeowner in Campton Hills pays $10,001 a year, according to the U.S. Census Bureau. That is 1.83% of the home’s value; in Kane County, the rate is 2.26%.

Where can I find free help to buy or rent in Campton Hills?

There are 2 HUD-approved counseling agencies with an office in Kane County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).