In Chicago Heights, a typical home is worth $161,000 and typical rent is $1,038 a month. Compared with all of Cook County, the typical home value is 50% lower, typical household income is 34% lower, and the share of households that own their home is 6 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $136,878 to $174,560.
Typical rent
$1,462a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Chicago Heights is in Cook 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 Cook County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Chicago Heights is worth $161,000,50% less than in Cook County as a whole ($324,500).
2
Nearby, in Sauk Village, the typical home value is $110,800: 31% less than in Chicago Heights ($161,000).
3
The typical household income in Chicago Heights is $54,798,34% less than in Cook County as a whole ($83,498).
4
The typical rent in Chicago Heights is $1,038 a month, 28% less than in Cook County as a whole ($1,435).
5
63% of households in Chicago Heights own their home, against 58% in Cook County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Chicago Heights
What homes there are in Chicago Heights, 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
Chicago Heights
Cook County
Illinois
United States
Kind of home: Chicago Heights and its comparisons
Measure
Chicago Heights
Cook County
Illinois
United States
Detached house
69%
40%
58%
61%
Attached house
3%
6%
6%
6%
Building of 2 to 4
17%
19%
12%
8%
Apartments (5 or more)
11%
35%
22%
19%
Mobile home
Unreliable estimate
1%
2%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Chicago Heights, 7 in 10 homes are single-family detached houses; in Cook County, 4.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Chicago Heights
Cook County
Illinois
United States
Year built: Chicago Heights and its comparisons
Measure
Chicago Heights
Cook County
Illinois
United States
Before 1960
54%
49%
38%
26%
1960–1979
33%
25%
26%
24%
1980–1999
7%
14%
20%
25%
2000–2009
Unreliable estimate
8%
11%
14%
2010 or later
4%
5%
6%
11%
The typical year built in Chicago Heights is 1959, about the same as in Cook County (1961).
Homes in Chicago Heights are bigger: 69% have 3 bedrooms or more; in Cook County, 49%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K21%
$100K–$200K50%
$200K–$300K21%
$300K–$500K6%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Chicago Heights and its comparisons
Measure
Chicago Heights
Under $100K
21%
$100K–$200K
50%
$200K–$300K
21%
$300K–$500K
6%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
At least 99% of owner-occupied homes in Chicago Heights are worth less than $500,000, below the FHA loan limit for Cook County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99935%
$1,000–$1,49935%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Chicago Heights and its comparisons
Measure
Chicago Heights
Under $500
Unreliable estimate
$500–$999
35%
$1,000–$1,499
35%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,626 a month
Cook County: $2,270 a month
Without a mortgage
$701 a month
Cook County: $910 a month
Owners with a mortgage
54%
Cook County: 62%
The typical cost for an owner with a mortgage in Chicago Heights is $1,626 a month, less than in Cook County ($2,270); without one, $701.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Chicago Heights+52%
Cook County+32%
Illinois+35%
United States+53%
Typical rent
Chicago HeightsNo clear change
Cook County+28%
Illinois+26%
United States+33%
Typical household income
Chicago HeightsNo clear change
Cook County+29%
Illinois+27%
United States+29%
Change since 2015–2019: Chicago Heights and its comparisons
Measure
Chicago Heights
Cook County
Illinois
United States
Typical home value
+52%
+32%
+35%
+53%
Typical rent
No clear change
+28%
+26%
+33%
Typical household income
No clear change
+29%
+27%
+29%
The typical home value in Chicago Heights rose 52% since 2015–2019, more than in Cook County (32%).
Rent in Chicago Heights moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Chicago Heights and its comparisons
Measure
Chicago Heights
Cook County
Illinois
United States
Rental vacancy
Unreliable estimate
4.5%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
1.1%
1.0%
0.9%
More than one person per room
3.7%
3.3%
2.5%
3.4%
People per household
2.81
2.43
2.46
2.53
Drive alone
73%
55%
66%
69%
Carpool
11%
8%
8%
9%
Public transit
5%
12%
6%
3%
Walk or bike
Unreliable estimate
5%
3%
3%
Work from home
7%
19%
16%
15%
Other means
4%
2%
1%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 3.7% of households in Chicago Heights live, near the figure in Cook County (3.3%).
Households in Chicago Heights are bigger: 2.81 people on average; in Cook County, 2.43.
More people carpool to work in Chicago Heights than in Cook County: 11% against 8%.
Do the math
What would you pay each month for a home in Chicago Heights?
A typical home is tight for the typical income
We start with a typical home in Chicago Heights, worth $161,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Chicago Heights, which is $54,798 a year. For that payment to be 28% of income, a household would need to earn about $67,003 a year.
The calculator's FHA and conventional loan limits are those of all of Cook 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 Chicago Heights. 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 $5,635 (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
$1,563
at 7.18% · 30 years
Loan amount
$158,084
Total interest
$227,446
Paid off in
November 2056
Includes $2,719 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,279 a month
Tight
$1,279 to $1,644 a month
Your payment · 34%
Hard
more than $1,644 a month
Compared with the typical household income in Chicago Heights ($54,798 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,071
Property tax
$354
Home insurance
$67
FHA mortgage insurance (MIP)
$71
You need at least $5,635 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 $1,563; principal and interest $1,071.
The city and its county
Chicago Heights and Cook County
Chicago Heights is in Cook 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).
Chicago Heights
Map of Cook County, Illinois, with Chicago Heights marked. Around it, the neighboring counties.
Chicago Heights
Cook County
Other cities with a page
Chicago Heights's own numbers
Typical home value
$161,000
Typical monthly rent
$1,038
Typical yearly household income
$54,798
Households that own their home
63%
Effective property tax rate
2.64%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Cook 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)
+42%
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 Cook County.
A typical home in Chicago Heights is worth $161,000: 50% below the county and 39% below Illinois. With the typical household income in Chicago Heights ($54,798 a year), a typical home costs 2.9 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.
Chicago Heights2.9 years
Cook3.9 years
Illinois3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Cook County
According to FHFA’s house price index, home prices in Cook County rose 61% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Cook County.
Yearly change in FHFA’s price index in Cook County, 2016 to 2025
2016: +3.9% +3.9% 2016
2017: +3.2% +3.2% 2017
2018: +2.5% +2.5% 2018
2019: +2.7% +2.7% 2019
2020: +0.9% +0.9% 2020
2021: +7.2% +7.2% 2021
2022: +11.3% +11.3% 2022
2023: +5.7% +5.7% 2023
2024: +6.4% +6.4% 2024
2025: +5.5% +5.5% 2025
Change in FHFA’s price index in Cook County, Illinois and the United States
Period
County
Illinois
U.S.
Last year (2025)
+5.5%
+5.7%
+2.9%
5 years (2020–2025)
+42%
+47%
+47%
10 years (2015–2025)
+61%
+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
Chicago Heights next to Cook 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
Chicago Heights$161,000
Cook$324,500
Illinois$263,300
United States$332,700
Typical monthly rent
Chicago Heights$1,038
Cook$1,435
Illinois$1,274
United States$1,413
Typical yearly household income
Chicago Heights$54,798
Cook$83,498
Illinois$83,390
United States$80,734
See the full table
Chicago Heights next to Cook County and Illinois
Measure
Chicago Heights
Cook County
Illinois
U.S.
Typical home value
$161,000 ▼50% below the county
$324,500
$263,300
$332,700
Typical monthly rent
$1,038 ▼28% below the county
$1,435
$1,274
$1,413
Typical yearly household income
$54,798 ▼34% below the county
$83,498
$83,390
$80,734
Households that own their home
63% ▲6 points above the county
58%
67%
65%
Typical yearly property tax
$4,248 ▼31% below the county
$6,191
$5,298
$3,119
Effective property tax rate
2.64% ▲0.73 points above the county
1.91%
2.01%
0.94%
Renters with high rent for their income
51% ▲2 points above the county
49%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cook 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 Chicago Heights
For a typical $161,000 home in Chicago Heights, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Chicago Heights's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,563a month
Least cash to close
Down payment
$5,635
Cash to close
$10,465
Rate
7.18%
Mortgage insurance
FHA MIP · $71
Conventional, 5% down$1,534a month
Down payment
$8,050
Cash to close
$12,880
Rate
7.18%
Mortgage insurance
PMI · $76
Conventional, 20% down, no PMI$1,294a month
Down payment
$32,200
Cash to close
$37,030
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,443a month
Down payment
$24,150
Cash to close
$28,980
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Chicago Heights
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,563
$5,635
$158,084
7.18%
FHA MIP · $71
$10,465
580
Conventional, 5% down
$1,534
$8,050
$152,950
7.18%
PMI · $76
$12,880
620*
Conventional, 20% down, no PMI
$1,294
$32,200
$128,800
7.18%
None
$37,030
620*
ITIN, 15% down (example)
$1,443
$24,150
$136,850
8.18%
None
$28,980
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 Chicago Heights is $1,038 a month: 28% below the county. In Chicago Heights, 51% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Cook 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Cook County (Fiscal year 2027)
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 Chicago Heights
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Chicago Heights is in ZIP code 60411.
For 2 bedrooms it is $1,690: $321 less than the fair market rent for Cook County ($2,011).
Fair market rent by ZIP code and size in Chicago Heights, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
60411
$1,410
$1,500
$1,690
$2,170
$2,480
ZIP code2 bd3 bd
60411 $1,690$2,170
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Chicago Heights 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)
HUD lists 5 buildings with rents for lower incomes in Chicago Heights. These are the largest.
Golden Towers I & II and Juniper Tower1704 E End Ave, Chicago Heights 60411230 low-income homes · Studio: 13 · 1 bd: 217 · In service since 2019 · For older adults
Olympic Village31 Olympic Vlg, Chicago Heights 60411320 homes, 193 low-income · For families(708) 747-9660
Thornwood Apartments19440 Glenwood Rd, Chicago Heights 60411232 homes, 150 low-income · For families(708) 756-0248
South Suburban Chicago Heights1040 Dixie Hwy, Chicago Heights 60411144 homes, 115 low-income · Studio: 114 · 1 bd: 30 · In service since 2013
Sunrise Apts1315 Wentworth Ave, Chicago Heights 60411107 low-income homes · Run by Housing Authority Cook County · Average payment: $380 a month(312) 542-4721
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 42 HUD-approved agencies with an office in Cook County; 19 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Chicago Heights or Cook County. The ones below are statewide in Illinois: they work in Chicago Heights 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).
The HUD-approved agencies closest to the center of Chicago Heights, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
CC
Ceda - Chicago Heights
1215 West End Ave., Chicago Heights · 0 miles away
No legal help resource on our list is for Chicago Heights or Cook 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 Chicago Heights and all of Cook 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 Chicago Heights?
The typical home value in Chicago Heights is $161,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cook County it is $324,500.
How much does it cost to rent in Chicago Heights?
Typical rent in Chicago Heights is $1,038 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cook County is $2,011.
What is the FHA loan limit in Chicago Heights?
Chicago Heights uses the FHA limit for all of Cook 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 Chicago Heights?
The typical homeowner in Chicago Heights pays $4,248 a year, according to the U.S. Census Bureau. That is 2.64% of the home’s value; in Cook County, the rate is 1.91%.
Where can I find free help to buy or rent in Chicago Heights?
There are 42 HUD-approved counseling agencies with an office in Cook County. 19 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
