In Minooka, a typical home is worth $315,600 and typical rent is $1,552 a month. Compared with all of Grundy County, typical rent is 32% higher, typical household income is 25% higher, and the share of households that own their home is 17 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $278,541 to $373,780.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Minooka is in Grundy 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 Grundy County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Wilmington, the typical rent is $888: 43% less than in Minooka ($1,552).
2
92% of households in Minooka own their home, against 74% in Grundy County.
3
Nearby, in Wilmington, the typical home value is $223,800: 29% less than in Minooka ($315,600).
4
The typical rent in Minooka is $1,552 a month, 32% more than in Grundy County as a whole ($1,177).
5
The typical household income in Minooka is $115,445,25% more than in Grundy County as a whole ($92,235).
6
The typical home in Minooka is worth $315,600,16% more than in Grundy County as a whole ($271,700).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Minooka
What homes there are in Minooka, 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
Minooka
Grundy County
Illinois
United States
Kind of home: Minooka and its comparisons
Measure
Minooka
Grundy County
Illinois
United States
Detached house
81%
72%
58%
61%
Attached house
14%
9%
6%
6%
Building of 2 to 4
Unreliable estimate
8%
12%
8%
Apartments (5 or more)
Unreliable estimate
7%
22%
19%
Mobile home
Unreliable estimate
4%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Minooka, 8 in 10 homes are single-family detached houses; in Grundy County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Minooka
Grundy County
Illinois
United States
Year built: Minooka and its comparisons
Measure
Minooka
Grundy County
Illinois
United States
Before 1960
Unreliable estimate
20%
38%
26%
1960–1979
13%
21%
26%
24%
1980–1999
19%
23%
20%
25%
2000–2009
48%
25%
11%
14%
2010 or later
17%
11%
6%
11%
Here half of the homes date from 2003 or later; in Grundy County, from 1990 or later.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K8%
$200K–$300K33%
$300K–$500K56%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Minooka and its comparisons
Measure
Minooka
Under $100K
Unreliable estimate
$100K–$200K
8%
$200K–$300K
33%
$300K–$500K
56%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Minooka and its comparisons
Measure
Minooka
Under $500
Unreliable
$500–$999
Unreliable
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,179 a month
Grundy County: $2,016 a month
Without a mortgage
$1,010 a month
Grundy County: $800 a month
Owners with a mortgage
84%
Grundy County: 67%
In Minooka, 84% of owners have a mortgage, and their typical cost is $2,179 a month, against $2,016 in Grundy County. Without one it drops to $1,010.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Minooka+49%
Grundy County+36%
Illinois+35%
United States+53%
Typical rent
MinookaNo clear change
Grundy County+18%
Illinois+26%
United States+33%
Typical household income
Minooka+24%
Grundy County+19%
Illinois+27%
United States+29%
Change since 2015–2019: Minooka and its comparisons
Measure
Minooka
Grundy County
Illinois
United States
Typical home value
+49%
+36%
+35%
+53%
Typical rent
No clear change
+18%
+26%
+33%
Typical household income
+24%
+19%
+27%
+29%
The typical home value in Minooka rose 49% since 2015–2019, more than in Grundy County (36%).
Rent in Minooka 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: Minooka and its comparisons
Measure
Minooka
Grundy County
Illinois
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.0%
0.9%
More than one person per room
Unreliable estimate
2.4%
2.5%
3.4%
People per household
3.12
2.57
2.46
2.53
Drive alone
82%
82%
66%
69%
Carpool
Unreliable estimate
5%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
6%
3%
Walk or bike
Unreliable estimate
1%
3%
3%
Work from home
10%
10%
16%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 3.12 on average, against 2.57 in Grundy County.
To get to work, 82% of workers in Minooka drive alone; in Grundy County, 82%.
Do the math
What would you pay each month for a home in Minooka?
A typical home is tight for the typical income
We start with a typical home in Minooka, worth $315,600, 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 Minooka, which is $115,445 a year. For that payment to be 28% of income, a household would need to earn about $125,369 a year.
The calculator's FHA and conventional loan limits are those of all of Grundy 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 Minooka. 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 $11,046 (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
$2,925
at 7.18% · 30 years
Loan amount
$309,884
Total interest
$445,850
Paid off in
November 2056
Includes $5,330 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,694 a month
Tight
$2,694 to $3,463 a month
Your payment · 30%
Hard
more than $3,463 a month
Compared with the typical household income in Minooka ($115,445 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,099
Property tax
$555
Home insurance
$132
FHA mortgage insurance (MIP)
$140
You need at least $11,046 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 $2,925; principal and interest $2,099.
The city and its county
Minooka and Grundy County
Minooka is in Grundy 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).
Minooka
Map of Grundy County, Illinois, with Minooka marked. Around it, the neighboring counties.
Minooka
Grundy County
Other cities with a page
Minooka's own numbers
Typical home value
$315,600
Typical monthly rent
$1,552
Typical yearly household income
$115,445
Households that own their home
92%
Effective property tax rate
2.11%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Grundy County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,613
Price change over 5 years (FHFA)
+44%
Homes in a high flood-risk zone
3.5%
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 Grundy County.
A typical home in Minooka is worth $315,600: 16% above the county and 20% above Illinois. With the typical household income in Minooka ($115,445 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.
Minooka2.7 years
Grundy2.9 years
Illinois3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Grundy County
According to FHFA’s house price index, home prices in Grundy County rose 68% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Grundy County.
Yearly change in FHFA’s price index in Grundy County, 2016 to 2025
2016: +2.5% +2.5% 2016
2017: +3.2% +3.2% 2017
2018: +5.0% +5.0% 2018
2019: +2.0% +2.0% 2019
2020: +2.6% +2.6% 2020
2021: +7.7% +7.7% 2021
2022: +10.4% +10.4% 2022
2023: +8.0% +8.0% 2023
2024: +5.1% +5.1% 2024
2025: +6.7% +6.7% 2025
Change in FHFA’s price index in Grundy County, Illinois and the United States
Period
County
Illinois
U.S.
Last year (2025)
+6.7%
+5.7%
+2.9%
5 years (2020–2025)
+44%
+47%
+47%
10 years (2015–2025)
+68%
+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
Minooka next to Grundy 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
Minooka$315,600
Grundy$271,700
Illinois$263,300
United States$332,700
Typical monthly rent
Minooka$1,552
Grundy$1,177
Illinois$1,274
United States$1,413
Typical yearly household income
Minooka$115,445
Grundy$92,235
Illinois$83,390
United States$80,734
See the full table
Minooka next to Grundy County and Illinois
Measure
Minooka
Grundy County
Illinois
U.S.
Typical home value
$315,600 ▲16% above the county
$271,700
$263,300
$332,700
Typical monthly rent
$1,552 ▲32% above the county
$1,177
$1,274
$1,413
Typical yearly household income
$115,445 ▲25% above the county
$92,235
$83,390
$80,734
Households that own their home
92% ▲17 points above the county
74%
67%
65%
Typical yearly property tax
$6,658 ▲23% above the county
$5,420
$5,298
$3,119
Effective property tax rate
2.11% ▲0.12 points above the county
1.99%
2.01%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Grundy 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 Minooka
For a typical $315,600 home in Minooka, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Minooka's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,925a month
Least cash to close
Down payment
$11,046
Cash to close
$20,514
Rate
7.18%
Mortgage insurance
FHA MIP · $140
Conventional, 5% down$2,867a month
Down payment
$15,780
Cash to close
$25,248
Rate
7.18%
Mortgage insurance
PMI · $150
Conventional, 20% down, no PMI$2,397a month
Down payment
$63,120
Cash to close
$72,588
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,689a month
Down payment
$47,340
Cash to close
$56,808
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Minooka
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,925
$11,046
$309,884
7.18%
FHA MIP · $140
$20,514
580
Conventional, 5% down
$2,867
$15,780
$299,820
7.18%
PMI · $150
$25,248
620*
Conventional, 20% down, no PMI
$2,397
$63,120
$252,480
7.18%
None
$72,588
620*
ITIN, 15% down (example)
$2,689
$47,340
$268,260
8.18%
None
$56,808
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 Minooka is $1,552 a month: 32% above the county.
HUD publishes a fair market rent for all of Grundy County, by unit size. To pay the 2-bedroom one ($1,613 a month) without spending more than 30% of your income, you would need to earn $31.02 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 Grundy County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,189
$22.87
$47,560
1 bedroom
$1,233
$23.71
$49,320
2 bedrooms
$1,613
$31.02
$64,520
3 bedrooms
$2,219
$42.67
$88,760
4 bedrooms
$2,567
$49.37
$102,680
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 Minooka
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Minooka is in ZIP code 60447.
For 2 bedrooms it is $2,010: $397 more than the fair market rent for Grundy County ($1,613).
Fair market rent by ZIP code and size in Minooka, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
60447
$1,520
$1,570
$2,010
$2,710
$3,090
ZIP code2 bd3 bd
60447 $2,010$2,710
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Minooka 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.
We found no HUD-approved agencies with an office in Grundy County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Minooka or Grundy County. The ones below are statewide in Illinois: they work in Minooka 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 Minooka or Grundy 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 Minooka and all of Grundy 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 Minooka?
The typical home value in Minooka is $315,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Grundy County it is $271,700.
How much does it cost to rent in Minooka?
Typical rent in Minooka is $1,552 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Grundy County is $1,613.
What is the FHA loan limit in Minooka?
Minooka uses the FHA limit for all of Grundy 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 Minooka?
The typical homeowner in Minooka pays $6,658 a year, according to the U.S. Census Bureau. That is 2.11% of the home’s value; in Grundy County, the rate is 1.99%.
Where can I find free help to buy or rent in Minooka?
We found no HUD-approved counseling agencies with an office in Grundy County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
