In Harvey, a typical home is worth $88,100 and typical rent is $960 a month. Compared with all of Cook County, the typical home value is 73% lower and typical household income is 49% lower.
Typical home value from Zillow, September 2021 to September 2026: from $90,952 to $107,308.
Typical rent
$1,696a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Harvey 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 Harvey is worth $88,100,73% less than in Cook County as a whole ($324,500).
2
Harvey has the 5th lowest typical household income of the 337 cities in Illinois with more than 5,000 people ($42,429).
3
The typical rent in Harvey is $960 a month, 33% less than in Cook County as a whole ($1,435).
4
Harvey has the 25th largest share of rent-burdened renters of the 291 cities in Illinois with more than 5,000 people (61%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Harvey
What homes there are in Harvey, 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
Harvey
Cook County
Illinois
United States
Kind of home: Harvey and its comparisons
Measure
Harvey
Cook County
Illinois
United States
Detached house
63%
40%
58%
61%
Attached house
3%
6%
6%
6%
Building of 2 to 4
15%
19%
12%
8%
Apartments (5 or more)
13%
35%
22%
19%
Mobile home
7%
1%
2%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses, standing on their own, make up 63% of homes here, against 40% in Cook County.
In Harvey there are many mobile homes: 7% of homes; in Cook County, 1%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Harvey
Cook County
Illinois
United States
Year built: Harvey and its comparisons
Measure
Harvey
Cook County
Illinois
United States
Before 1960
49%
49%
38%
26%
1960–1979
33%
25%
26%
24%
1980–1999
12%
14%
20%
25%
2000–2009
6%
8%
11%
14%
2010 or later
Unreliable estimate
5%
6%
11%
By age, homes in Harvey look like those in Cook County: the typical year built is 1960.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K58%
$100K–$200K29%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Harvey and its comparisons
Measure
Harvey
Under $100K
58%
$100K–$200K
29%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50016%
$500–$99938%
$1,000–$1,49933%
$1,500–$1,99910%
$2,000–$2,499Unreliable
HUD fair market rent, 2 bedrooms: $2,011
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Harvey and its comparisons
Measure
Harvey
Under $500
16%
$500–$999
38%
$1,000–$1,499
33%
$1,500–$1,999
10%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
HUD's 2-bedroom fair market rent for Cook County is high ($2,011): at least 96% of rents in Harvey cost less than $2,000.
With a mortgage
$1,477 a month
Cook County: $2,270 a month
Without a mortgage
$538 a month
Cook County: $910 a month
Owners with a mortgage
47%
Cook County: 62%
The typical cost for an owner with a mortgage in Harvey is $1,477 a month, less than in Cook County ($2,270); without one, $538.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Harvey+20%
Cook County+32%
Illinois+35%
United States+53%
Typical rent
HarveyNo clear change
Cook County+28%
Illinois+26%
United States+33%
Typical household income
Harvey+40%
Cook County+29%
Illinois+27%
United States+29%
Change since 2015–2019: Harvey and its comparisons
Measure
Harvey
Cook County
Illinois
United States
Typical home value
+20%
+32%
+35%
+53%
Typical rent
No clear change
+28%
+26%
+33%
Typical household income
+40%
+29%
+27%
+29%
The typical home value in Harvey rose 20% since 2015–2019, less than in Cook County (32%).
Since 2015–2019, the typical rent in Harvey did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Harvey and its comparisons
Measure
Harvey
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
5.4%
3.3%
2.5%
3.4%
People per household
2.65
2.43
2.46
2.53
Drive alone
65%
55%
66%
69%
Carpool
12%
8%
8%
9%
Public transit
9%
12%
6%
3%
Walk or bike
Unreliable estimate
5%
3%
3%
Work from home
6%
19%
16%
15%
Other means
Unreliable estimate
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 5.4% of households in Harvey live, more than in Cook County (3.3%).
On average, a household in Harvey has 2.65 people, more than in Cook County (2.43).
In Harvey, 12% of workers share a car to get to work; in Cook County, 8%.
Do the math
What would you pay each month for a home in Harvey?
A typical home is within reach of the typical income
We start with a typical home in Harvey, worth $88,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Harvey, which is $42,429 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 Harvey. 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 $3,084 (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
$880
at 7.18% · 30 years
Loan amount
$86,504
Total interest
$124,459
Paid off in
November 2056
Includes $1,488 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $990 a month
Your payment · 25%
Tight
$990 to $1,273 a month
Hard
more than $1,273 a month
Compared with the typical household income in Harvey ($42,429 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$586
Property tax
$219
Home insurance
$37
FHA mortgage insurance (MIP)
$39
You need at least $3,084 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 $880; principal and interest $586.
The city and its county
Harvey and Cook County
Harvey 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).
Harvey
Map of Cook County, Illinois, with Harvey marked. Around it, the neighboring counties.
Harvey
Cook County
Other cities with a page
Harvey's own numbers
Typical home value
$88,100
Typical monthly rent
$960
Typical yearly household income
$42,429
Households that own their home
58%
Effective property tax rate
2.98%
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 Harvey is worth $88,100: 73% below the county and 67% below Illinois. With the typical household income in Harvey ($42,429 a year), a typical home costs 2.1 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.
Harvey2.1 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
Harvey 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
Harvey$88,100
Cook$324,500
Illinois$263,300
United States$332,700
Typical monthly rent
Harvey$960
Cook$1,435
Illinois$1,274
United States$1,413
Typical yearly household income
Harvey$42,429
Cook$83,498
Illinois$83,390
United States$80,734
See the full table
Harvey next to Cook County and Illinois
Measure
Harvey
Cook County
Illinois
U.S.
Typical home value
$88,100 ▼73% below the county
$324,500
$263,300
$332,700
Typical monthly rent
$960 ▼33% below the county
$1,435
$1,274
$1,413
Typical yearly household income
$42,429 ▼49% below the county
$83,498
$83,390
$80,734
Households that own their home
58%
58%
67%
65%
Typical yearly property tax
$2,628 ▼58% below the county
$6,191
$5,298
$3,119
Effective property tax rate
2.98% ▲1.07 points above the county
1.91%
2.01%
0.94%
Renters with high rent for their income
61% ▲12 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 Harvey
For a typical $88,100 home in Harvey, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Harvey's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$880a month
Least cash to close
Down payment
$3,084
Cash to close
$5,727
Rate
7.18%
Mortgage insurance
FHA MIP · $39
Conventional, 5% down$864a month
Down payment
$4,405
Cash to close
$7,048
Rate
7.18%
Mortgage insurance
PMI · $42
Conventional, 20% down, no PMI$733a month
Down payment
$17,620
Cash to close
$20,263
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$814a month
Down payment
$13,215
Cash to close
$15,858
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Harvey
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$880
$3,084
$86,504
7.18%
FHA MIP · $39
$5,727
580
Conventional, 5% down
$864
$4,405
$83,695
7.18%
PMI · $42
$7,048
620*
Conventional, 20% down, no PMI
$733
$17,620
$70,480
7.18%
None
$20,263
620*
ITIN, 15% down (example)
$814
$13,215
$74,885
8.18%
None
$15,858
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 Harvey is $960 a month: 33% below the county. In Harvey, 61% 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 Harvey
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Harvey is in ZIP code 60426.
For 2 bedrooms it is $1,470: $541 less than the fair market rent for Cook County ($2,011).
Fair market rent by ZIP code and size in Harvey, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
60426
$1,230
$1,300
$1,470
$1,890
$2,160
ZIP code2 bd3 bd
60426 $1,470$1,890
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Harvey 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 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 Harvey or Cook County. The ones below are statewide in Illinois: they work in Harvey 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 Harvey 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 Harvey 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 Harvey?
The typical home value in Harvey is $88,100, 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 Harvey?
Typical rent in Harvey is $960 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 Harvey?
Harvey 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 Harvey?
The typical homeowner in Harvey pays $2,628 a year, according to the U.S. Census Bureau. That is 2.98% of the home’s value; in Cook County, the rate is 1.91%.
Where can I find free help to buy or rent in Harvey?
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.
