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City · 37,346 residents · Kane County, Illinois

Carpentersville , Illinois

In Carpentersville, a typical home is worth $234,100 and typical rent is $1,414 a month. Compared with all of Kane County, the typical home value is 28% lower and typical household income is 16% lower.

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  • Typical home value

    $234,100

    28% below the county

    11% below Illinois

    • Carpentersville
    • Kane
    • Illinois

  • Typical rent

    $1,414a month

    3% below the county

    11% above Illinois

    • Carpentersville
    • Kane
    • Illinois

  • Typical household income

    $86,917a year

    16% below the county

    4% above Illinois

    • Carpentersville
    • Kane
    • Illinois

  • Households that own their home

    72%

    4 points below the county

    4 points above Illinois

    • Carpentersville
    • Kane
    • Illinois

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

Market now, with Zillow data

Zillow data
Typical home value
$296,160
4.6% more than 12 months ago
Typical rent
$2,297 a month

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

Carpentersville 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 Carpentersville apart

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

  1. The typical home in Carpentersville is worth $234,100, 28% less than in Kane County as a whole ($327,000).

  2. The typical household income in Carpentersville is $86,917, 16% less than in Kane County as a whole ($103,163).

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

The homes here

Housing in Carpentersville

What homes there are in Carpentersville, 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 is the most common home in Carpentersville: 70% of homes, near the figure in Kane County (69%).

Year built

In Carpentersville, half of the homes were built before 1976; in Kane County, before 1985.

In Carpentersville, 72% 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

The FHA limit for Kane County is high ($541,287): at least 97% of owner-occupied homes in Carpentersville are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,863 a month

Kane County: $2,256 a month

Without a mortgage

$737 a month

Kane County: $958 a month

Owners with a mortgage

64%

Kane County: 67%

The typical cost for an owner with a mortgage in Carpentersville is $1,863 a month, less than in Kane County ($2,256); without one, $737.

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

Much as in Kane County, the typical home value in Carpentersville rose 36% since 2015–2019.

The typical rent in Carpentersville rose 22% over the same time; in Kane County, it rose 27%.

While home values in Carpentersville changed +36% and rent +22%, the typical household income rose 26%.

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

MeasureCarpentersvilleKane 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 6.1%3.0%2.5%3.4%
People per household 3.222.772.462.53
Drive alone 71%71%66%69%
Carpool 15%9%8%9%
Public transit Unreliable estimate2%6%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 11%16%16%15%
Other means 2%2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 6.1% of households in Carpentersville live, more than in Kane County (3.0%).

On average, a household in Carpentersville has 3.22 people, more than in Kane County (2.77).

More people carpool to work in Carpentersville than in Kane County: 15% against 9%.

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 Carpentersville?

A typical home is tight for the typical income

We start with a typical home in Carpentersville, worth $234,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Carpentersville, which is $86,917 a year. For that payment to be 28% of income, a household would need to earn about $94,164 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 Carpentersville. 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 $8,194 (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

$2,197

at 7.18% · 30 years

Loan amount
$229,859
Total interest
$330,714
Paid off in
November 2056

Includes $3,953 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,028 a month

  • Tight

    $2,028 to $2,608 a month

    Your payment · 30%

  • Hard

    more than $2,608 a month

Compared with the typical household income in Carpentersville ($86,917 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,197
Principal & interest$1,557
Property tax$439
Home insurance$98
FHA mortgage insurance (MIP)$104

You need at least $8,194 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

Carpentersville and Kane County

Carpentersville 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).

Carpentersville's own numbers

Typical home value
$234,100
Typical monthly rent
$1,414
Typical yearly household income
$86,917
Households that own their home
72%
Effective property tax rate
2.25%

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 Carpentersville

A typical home in Carpentersville is worth $234,100: 28% below the county and 11% below Illinois. With the typical household income in Carpentersville ($86,917 a year), a typical home costs 2.7 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.

  • Carpentersville 2.7 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

Carpentersville 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
  • Carpentersville $234,100
  • Kane $327,000
  • Illinois $263,300
  • United States $332,700
Typical monthly rent
  • Carpentersville $1,414
  • Kane $1,453
  • Illinois $1,274
  • United States $1,413
Typical yearly household income
  • Carpentersville $86,917
  • Kane $103,163
  • Illinois $83,390
  • United States $80,734
See the full table
Carpentersville next to Kane County and Illinois
Measure Carpentersville Kane County Illinois U.S.
Typical home value $234,100 $327,000 $263,300 $332,700
Typical monthly rent $1,414 $1,453 $1,274 $1,413
Typical yearly household income $86,917 $103,163 $83,390 $80,734
Households that own their home 72% 76% 67% 65%
Typical yearly property tax $5,270 $7,382 $5,298 $3,119
Effective property tax rate 2.25% 2.26% 2.01% 0.94%
Renters with high rent for their income 43% 50% 48% 51%

“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 Carpentersville

For a typical $234,100 home in Carpentersville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Carpentersville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,197a month

    Least cash to close
    Down payment
    $8,194
    Cash to close
    $15,217
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $104

  • Conventional, 5% down $2,154a month

    Down payment
    $11,705
    Cash to close
    $18,728
    Rate
    7.18%
    Mortgage insurance
    PMI · $111

  • Conventional, 20% down, no PMI $1,805a month

    Down payment
    $46,820
    Cash to close
    $53,843
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,022a month

    Down payment
    $35,115
    Cash to close
    $42,138
    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 Carpentersville and for Kane County.

Property tax

Effective rate in Carpentersville

2.25%of the home’s value each year

$5,270 a year for the typical owner in Carpentersville.

  • Carpentersville 2.25%
  • 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 Carpentersville

Typical rent in Carpentersville is $1,414 a month: 3% below the county. In Carpentersville, 43% of renter households pay 30% or more of their income in rent.

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 Carpentersville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Carpentersville is in ZIP code 60110.

For 2 bedrooms it is $2,020: $9 more than the fair market rent for Kane County ($2,011).

  • 60110 $2,020$2,600

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Carpentersville 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?

Low-income apartments

Low-income apartments in Carpentersville

HUD lists 2 buildings with rents for lower incomes in Carpentersville. These are the largest.

  • Fox View Apts 3 Oxford Dr, Carpentersville 60110 373 low-income homes · 2 bd: 109 · 3 bd: 164 · In service since 2008
  • Foxview I Apts. 1 Middlesex Dr, Carpentersville 60110 366 low-income homes · For families (847) 428-7771

See all 51 buildings in Kane County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Carpentersville

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.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Carpentersville

No down payment, repair or rent-help program on our list is for Carpentersville or Kane County. The ones below are statewide in Illinois: they work in Carpentersville 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 Carpentersville

The HUD-approved agencies closest to the center of Carpentersville, 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 · 5 miles away · Spanish

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

  • Restoration America, Inc.

    101 N Main St Ste 14, Crystal Lake · 8 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (847) 783-0232

  • Lake County Housing Authority

    22843 N Lakewood Ln, Lake Zurich · 13 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (847) 223-1170

Every agency in Kane County All counseling agencies in Illinois

Help in Spanish near Carpentersville

2 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 Carpentersville

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

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Carpentersville

Short answers with the numbers for Carpentersville 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 Carpentersville?

The typical home value in Carpentersville is $234,100, 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 Carpentersville?

Typical rent in Carpentersville is $1,414 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 Carpentersville?

Carpentersville 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 Carpentersville?

The typical homeowner in Carpentersville pays $5,270 a year, according to the U.S. Census Bureau. That is 2.25% of the home’s value; in Kane County, the rate is 2.26%.

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

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).