In Geneva, a typical home is worth $441,400 and typical rent is $1,768 a month. Compared with all of Kane County, typical household income is 40% higher, the typical home value is 35% higher, and the share of households that own their home is 9 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $388,280 to $551,416.
Typical rent
$2,002a month
▲ 4% more than 12 months ago
Typical rent from Zillow, March 2022 to September 2026: from $1,544 to $2,002.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Geneva 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
What this place has that others do not, from public data, most unusual first.
1
The typical household income in Geneva is $144,341,40% more than in Kane County as a whole ($103,163).
2
The typical home in Geneva is worth $441,400,35% more than in Kane County as a whole ($327,000).
3
Nearby, in Batavia, the typical rent is $1,347: 24% less than in Geneva ($1,768).
4
Nearby, in West Chicago, the typical home value is $336,800: 24% less than in Geneva ($441,400).
5
The typical rent in Geneva is $1,768 a month, 22% more than in Kane County as a whole ($1,453).
6
85% of households in Geneva own their home, against 76% in Kane County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Geneva
What homes there are in Geneva, 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
Geneva
Kane County
Illinois
United States
Kind of home: Geneva and its comparisons
Measure
Geneva
Kane County
Illinois
United States
Detached house
73%
69%
58%
61%
Attached house
12%
12%
6%
6%
Building of 2 to 4
8%
7%
12%
8%
Apartments (5 or more)
Unreliable estimate
12%
22%
19%
Mobile home
Unreliable estimate
1%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Geneva, 7 in 10 homes are single-family detached houses; in Kane County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Geneva
Kane County
Illinois
United States
Year built: Geneva and its comparisons
Measure
Geneva
Kane County
Illinois
United States
Before 1960
21%
24%
38%
26%
1960–1979
17%
21%
26%
24%
1980–1999
39%
25%
20%
25%
2000–2009
17%
21%
11%
14%
2010 or later
6%
8%
6%
11%
The typical year built in Geneva is 1987, about the same as in Kane County (1985).
Homes in Geneva are bigger: 78% have 3 bedrooms or more; in Kane County, 68%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K12%
$300K–$500K50%
$500K–$750K26%
$750K–$1M4%
$1M or more3%
Value of owner-occupied homes: Geneva and its comparisons
Measure
Geneva
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
12%
$300K–$500K
50%
$500K–$750K
26%
$750K–$1M
4%
$1M or more
3%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49923%
$1,500–$1,99944%
$2,000–$2,49923%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Geneva and its comparisons
Measure
Geneva
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
23%
$1,500–$1,999
44%
$2,000–$2,499
23%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$2,756 a month
Kane County: $2,256 a month
Without a mortgage
$1,239 a month
Kane County: $958 a month
Owners with a mortgage
66%
Kane County: 67%
Owning costs more in Geneva: with a mortgage, the typical cost is $2,756 a month; in Kane County, $2,256. Without one, $1,239.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Geneva+31%
Kane County+37%
Illinois+35%
United States+53%
Typical rent
Geneva+17%
Kane County+27%
Illinois+26%
United States+33%
Typical household income
Geneva+29%
Kane County+30%
Illinois+27%
United States+29%
Change since 2015–2019: Geneva and its comparisons
Measure
Geneva
Kane County
Illinois
United States
Typical home value
+31%
+37%
+35%
+53%
Typical rent
+17%
+27%
+26%
+33%
Typical household income
+29%
+30%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Geneva rose 31%; in Kane County, it rose 37%.
The typical rent in Geneva rose 17% over the same time; in Kane County, it rose 27%.
To compare: typical income in Geneva rose 29%; the home, +31%; the rent, +17%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Geneva and its comparisons
Measure
Geneva
Kane County
Illinois
United States
Rental vacancy
Unreliable estimate
3.1%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
1.0%
0.9%
More than one person per room
Unreliable estimate
3.0%
2.5%
3.4%
People per household
2.53
2.77
2.46
2.53
Drive alone
64%
71%
66%
69%
Carpool
3%
9%
8%
9%
Public transit
5%
2%
6%
3%
Walk or bike
Unreliable estimate
1%
3%
3%
Work from home
26%
16%
16%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Geneva are smaller: 2.53 people on average; in Kane County, 2.77.
In Geneva, 26% of workers work from home, more than in Kane County (16%).
Do the math
What would you pay each month for a home in Geneva?
A typical home is tight for the typical income
We start with a typical home in Geneva, worth $441,400, 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 Geneva, which is $144,341 a year. For that payment to be 28% of income, a household would need to earn about $177,549 a year.
The calculator's FHA and conventional loan limits are those of all of Kane 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 Geneva. 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 $15,449 (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
$4,143
at 7.18% · 30 years
Loan amount
$433,405
Total interest
$623,568
Paid off in
November 2056
Includes $7,454 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,368 a month
Tight
$3,368 to $4,330 a month
Your payment · 34%
Hard
more than $4,330 a month
Compared with the typical household income in Geneva ($144,341 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,936
Property tax
$828
Home insurance
$184
FHA mortgage insurance (MIP)
$195
You need at least $15,449 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 $4,143; principal and interest $2,936.
The city and its county
Geneva and Kane County
Geneva 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).
Geneva
Map of Kane County, Illinois, with Geneva marked. Around it, the neighboring counties.
Geneva
Kane County
Other cities with a page
Geneva's own numbers
Typical home value
$441,400
Typical monthly rent
$1,768
Typical yearly household income
$144,341
Households that own their home
85%
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.
A typical home in Geneva is worth $441,400: 35% above the county and 68% above Illinois. With the typical household income in Geneva ($144,341 a year), a typical home costs 3.1 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.
Geneva3.1 years
Kane3.2 years
Illinois3.2 years
United States4.1 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.
Yearly change in FHFA’s price index in Kane County, 2016 to 2025
2016: +4.1% +4.1% 2016
2017: +4.0% +4.0% 2017
2018: +3.5% +3.5% 2018
2019: +2.9% +2.9% 2019
2020: +1.1% +1.1% 2020
2021: +9.6% +9.6% 2021
2022: +14.7% +14.7% 2022
2023: +9.3% +9.3% 2023
2024: +7.1% +7.1% 2024
2025: +5.8% +5.8% 2025
Change in FHFA’s price index in Kane County, Illinois and the United States
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
Geneva 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
Geneva$441,400
Kane$327,000
Illinois$263,300
United States$332,700
Typical monthly rent
Geneva$1,768
Kane$1,453
Illinois$1,274
United States$1,413
Typical yearly household income
Geneva$144,341
Kane$103,163
Illinois$83,390
United States$80,734
See the full table
Geneva next to Kane County and Illinois
Measure
Geneva
Kane County
Illinois
U.S.
Typical home value
$441,400 ▲35% above the county
$327,000
$263,300
$332,700
Typical monthly rent
$1,768 ▲22% above the county
$1,453
$1,274
$1,413
Typical yearly household income
$144,341 ▲40% above the county
$103,163
$83,390
$80,734
Households that own their home
85% ▲9 points above the county
76%
67%
65%
Typical yearly property tax
$9,951 ▲35% above the county
$7,382
$5,298
$3,119
Effective property tax rate
2.25% ▼0.01 points below the county
2.26%
2.01%
0.94%
Renters with high rent for their income
51% ▲1 points above the county
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 Geneva
For a typical $441,400 home in Geneva, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Geneva's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,143a month
Least cash to close
Down payment
$15,449
Cash to close
$28,691
Rate
7.18%
Mortgage insurance
FHA MIP · $195
Conventional, 5% down$4,062a month
Down payment
$22,070
Cash to close
$35,312
Rate
7.18%
Mortgage insurance
PMI · $210
Conventional, 20% down, no PMI$3,404a month
Down payment
$88,280
Cash to close
$101,522
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,812a month
Down payment
$66,210
Cash to close
$79,452
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Geneva
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,143
$15,449
$433,405
7.18%
FHA MIP · $195
$28,691
580
Conventional, 5% down
$4,062
$22,070
$419,330
7.18%
PMI · $210
$35,312
620*
Conventional, 20% down, no PMI
$3,404
$88,280
$353,120
7.18%
None
$101,522
620*
ITIN, 15% down (example)
$3,812
$66,210
$375,190
8.18%
None
$79,452
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 Geneva is $1,768 a month: 22% above the county. In Geneva, 51% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Kane 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 Geneva
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Geneva is in ZIP code 60134.
For 2 bedrooms it is $2,460: $449 more than the fair market rent for Kane County ($2,011).
Fair market rent by ZIP code and size in Geneva, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
60134
$2,050
$2,180
$2,460
$3,160
$3,610
ZIP code2 bd3 bd
60134 $2,460$3,160
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Geneva 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.
There are 2 HUD-approved agencies with an office in Kane County; 2 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Geneva or Kane County. The ones below are statewide in Illinois: they work in Geneva 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 Geneva or Kane 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 Geneva 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 Geneva?
The typical home value in Geneva is $441,400, 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 Geneva?
Typical rent in Geneva is $1,768 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 Geneva?
Geneva 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 Geneva?
The typical homeowner in Geneva pays $9,951 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 Geneva?
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.
