Typical home value from Zillow, September 2021 to September 2026: from $301,183 to $388,487.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Harwood 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
Nearby, in River Grove, the typical home value is $241,800: 25% less than in Harwood Heights ($321,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Harwood Heights
What homes there are in Harwood 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
Harwood Heights
Cook County
Illinois
United States
Kind of home: Harwood Heights and its comparisons
Measure
Harwood Heights
Cook County
Illinois
United States
Detached house
46%
40%
58%
61%
Attached house
Unreliable estimate
6%
6%
6%
Building of 2 to 4
9%
19%
12%
8%
Apartments (5 or more)
45%
35%
22%
19%
Mobile home
Unreliable estimate
1%
2%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Harwood Heights there is a bit of everything: no kind of home reaches half. The most common are detached houses (46%), more than in Cook County (40%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Harwood Heights
Cook County
Illinois
United States
Year built: Harwood Heights and its comparisons
Measure
Harwood Heights
Cook County
Illinois
United States
Before 1960
37%
49%
38%
26%
1960–1979
38%
25%
26%
24%
1980–1999
14%
14%
20%
25%
2000–2009
Unreliable estimate
8%
11%
14%
2010 or later
Unreliable estimate
5%
6%
11%
The typical home in Harwood Heights was built in 1968, 7 years after the typical one in Cook County.
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–$300K29%
$300K–$500K50%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Harwood Heights and its comparisons
Measure
Harwood Heights
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
29%
$300K–$500K
50%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99927%
$1,000–$1,49949%
$1,500–$1,99921%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Harwood Heights and its comparisons
Measure
Harwood Heights
Under $500
Unreliable
$500–$999
27%
$1,000–$1,499
49%
$1,500–$1,999
21%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$2,177 a month
Cook County: $2,270 a month
Without a mortgage
$911 a month
Cook County: $910 a month
Owners with a mortgage
45%
Cook County: 62%
In Harwood Heights, 45% of owners have a mortgage; their typical cost is $2,177 a month, about the same as in Cook County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Harwood Heights+20%
Cook County+32%
Illinois+35%
United States+53%
Typical rent
Harwood Heights+25%
Cook County+28%
Illinois+26%
United States+33%
Typical household income
Harwood Heights+26%
Cook County+29%
Illinois+27%
United States+29%
Change since 2015–2019: Harwood Heights and its comparisons
Measure
Harwood Heights
Cook County
Illinois
United States
Typical home value
+20%
+32%
+35%
+53%
Typical rent
+25%
+28%
+26%
+33%
Typical household income
+26%
+29%
+27%
+29%
Homes in Harwood Heights gained value more slowly than in Cook County: 20% since 2015–2019, against 32%.
Much as in Cook County, the typical rent in Harwood Heights rose 25% since 2015–2019.
The typical household income in Harwood Heights rose 26% over that time; home values changed +20% and rent +25%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Harwood Heights and its comparisons
Measure
Harwood 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
Unreliable estimate
3.3%
2.5%
3.4%
People per household
2.42
2.43
2.46
2.53
Drive alone
71%
55%
66%
69%
Carpool
Unreliable estimate
8%
8%
9%
Public transit
Unreliable estimate
12%
6%
3%
Walk or bike
Unreliable estimate
5%
3%
3%
Work from home
11%
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
A household in Harwood Heights has 2.42 people on average, about the same as in Cook County (2.43).
To get to work, 71% of workers in Harwood Heights drive alone; in Cook County, 55%.
Do the math
What would you pay each month for a home in Harwood Heights?
A typical home costs more than the typical income allows
We start with a typical home in Harwood Heights, worth $321,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Harwood Heights, which is $81,086 a year. For that payment to be 28% of income, a household would need to earn about $124,768 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 Harwood 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 $11,267 (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
$2,911
at 7.18% · 30 years
Loan amount
$316,069
Total interest
$454,749
Paid off in
November 2056
Includes $5,436 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,892 a month
Tight
$1,892 to $2,433 a month
Hard
more than $2,433 a month
Your payment · 43%
Compared with the typical household income in Harwood Heights ($81,086 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,141
Property tax
$494
Home insurance
$134
FHA mortgage insurance (MIP)
$142
You need at least $11,267 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 $2,911; principal and interest $2,141.
The city and its county
Harwood Heights and Cook County
Harwood 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).
Harwood Heights
Map of Cook County, Illinois, with Harwood Heights marked. Around it, the neighboring counties.
Harwood Heights
Cook County
Other cities with a page
Harwood Heights's own numbers
Typical home value
$321,900
Typical monthly rent
$1,236
Typical yearly household income
$81,086
Households that own their home
59%
Effective property tax rate
1.84%
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 Harwood Heights is worth $321,900: about the same as the county and 22% above Illinois. With the typical household income in Harwood Heights ($81,086 a year), a typical home costs 4.0 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.
Harwood Heights4.0 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
Harwood 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
Harwood Heights$321,900
Cook$324,500
Illinois$263,300
United States$332,700
Typical monthly rent
Harwood Heights$1,236
Cook$1,435
Illinois$1,274
United States$1,413
Typical yearly household income
Harwood Heights$81,086
Cook$83,498
Illinois$83,390
United States$80,734
See the full table
Harwood Heights next to Cook County and Illinois
Measure
Harwood Heights
Cook County
Illinois
U.S.
Typical home value
$321,900
$324,500
$263,300
$332,700
Typical monthly rent
$1,236 ▼14% below the county
$1,435
$1,274
$1,413
Typical yearly household income
$81,086 ▼3% below the county
$83,498
$83,390
$80,734
Households that own their home
59% ▲1 points above the county
58%
67%
65%
Typical yearly property tax
$5,930 ▼4% below the county
$6,191
$5,298
$3,119
Effective property tax rate
1.84% ▼0.07 points below the county
1.91%
2.01%
0.94%
Renters with high rent for their income
42% ▼7 points below 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 Harwood Heights
For a typical $321,900 home in Harwood Heights, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Harwood Heights's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,911a month
Least cash to close
Down payment
$11,267
Cash to close
$20,924
Rate
7.18%
Mortgage insurance
FHA MIP · $142
Conventional, 5% down$2,852a month
Down payment
$16,095
Cash to close
$25,752
Rate
7.18%
Mortgage insurance
PMI · $153
Conventional, 20% down, no PMI$2,372a month
Down payment
$64,380
Cash to close
$74,037
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,670a month
Down payment
$48,285
Cash to close
$57,942
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Harwood Heights
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,911
$11,267
$316,070
7.18%
FHA MIP · $142
$20,924
580
Conventional, 5% down
$2,852
$16,095
$305,805
7.18%
PMI · $153
$25,752
620*
Conventional, 20% down, no PMI
$2,372
$64,380
$257,520
7.18%
None
$74,037
620*
ITIN, 15% down (example)
$2,670
$48,285
$273,615
8.18%
None
$57,942
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 Harwood Heights is $1,236 a month: 14% below the county. In Harwood Heights, 42% 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 Harwood Heights
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Harwood Heights is in ZIP code 60706.
For 2 bedrooms it is $1,740: $271 less than the fair market rent for Cook County ($2,011).
Fair market rent by ZIP code and size in Harwood Heights, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
60706
$1,450
$1,540
$1,740
$2,240
$2,560
ZIP code2 bd3 bd
60706 $1,740$2,240
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Harwood 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)
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 Harwood Heights or Cook County. The ones below are statewide in Illinois: they work in Harwood 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 Harwood Heights, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
NS
Northwest Side Housing Center (NWSHC)
5233 W Diversey Ave, Chicago · 3 miles away · Spanish
No legal help resource on our list is for Harwood 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 Harwood 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 Harwood Heights?
The typical home value in Harwood Heights is $321,900, 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 Harwood Heights?
Typical rent in Harwood Heights is $1,236 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 Harwood Heights?
Harwood 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 Harwood Heights?
The typical homeowner in Harwood Heights pays $5,930 a year, according to the U.S. Census Bureau. That is 1.84% of the home’s value; in Cook County, the rate is 1.91%.
Where can I find free help to buy or rent in Harwood 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.
