In Posen, a typical home is worth $172,900 and typical rent is $1,372 a month. Compared with all of Cook County, the typical home value is 47% lower, typical household income is 13% lower, and the share of households that own their home is 9 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $158,691 to $202,945.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Posen 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 Harvey, the typical home value is $88,100: 49% less than in Posen ($172,900).
2
The typical home in Posen is worth $172,900,47% less than in Cook County as a whole ($324,500).
3
Nearby, in Harvey, the typical rent is $960: 30% less than in Posen ($1,372).
4
67% of households in Posen own their home, against 58% in Cook County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Posen
What homes there are in Posen, 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
Posen
Cook County
Illinois
United States
Kind of home: Posen and its comparisons
Measure
Posen
Cook County
Illinois
United States
Detached house
85%
40%
58%
61%
Attached house
Unreliable estimate
6%
6%
6%
Building of 2 to 4
Unreliable estimate
19%
12%
8%
Apartments (5 or more)
Unreliable estimate
35%
22%
19%
Mobile home
Unreliable estimate
1%
2%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses, standing on their own, make up 85% of homes here, against 40% in Cook County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Posen
Cook County
Illinois
United States
Year built: Posen and its comparisons
Measure
Posen
Cook County
Illinois
United States
Before 1960
46%
49%
38%
26%
1960–1979
Unreliable estimate
25%
26%
24%
1980–1999
Unreliable estimate
14%
20%
25%
2000–2009
11%
8%
11%
14%
2010 or later
Unreliable estimate
5%
6%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K69%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Posen and its comparisons
Measure
Posen
Under $100K
Unreliable estimate
$100K–$200K
69%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$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: Posen and its comparisons
Measure
Posen
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,723 a month
Cook County: $2,270 a month
Without a mortgage
$628 a month
Cook County: $910 a month
Owners with a mortgage
59%
Cook County: 62%
The typical cost for an owner with a mortgage in Posen is $1,723 a month, less than in Cook County ($2,270); without one, $628.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Posen+43%
Cook County+32%
Illinois+35%
United States+53%
Typical rent
Posen+24%
Cook County+28%
Illinois+26%
United States+33%
Typical household income
Posen+72%
Cook County+29%
Illinois+27%
United States+29%
Change since 2015–2019: Posen and its comparisons
Measure
Posen
Cook County
Illinois
United States
Typical home value
+43%
+32%
+35%
+53%
Typical rent
+24%
+28%
+26%
+33%
Typical household income
+72%
+29%
+27%
+29%
Since 2015–2019, homes in Posen gained value faster than in Cook County: 43% against 32%.
Since 2015–2019, the typical rent in Posen rose 24%, less than in Cook County (28%).
Here income gained ground: typical income rose 72%, against +43% for home values and +24% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Posen and its comparisons
Measure
Posen
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
3.50
2.43
2.46
2.53
Drive alone
75%
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
Unreliable estimate
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
Households in Posen are bigger: 3.50 people on average; in Cook County, 2.43.
In Posen, 75% of workers drive alone to work; in Cook County, 55%.
Do the math
What would you pay each month for a home in Posen?
A typical home is within reach of the typical income
We start with a typical home in Posen, worth $172,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Posen, which is $73,051 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 Posen. 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 $6,052 (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
$1,570
at 7.18% · 30 years
Loan amount
$169,768
Total interest
$244,256
Paid off in
November 2056
Includes $2,920 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,705 a month
Your payment · 26%
Tight
$1,705 to $2,192 a month
Hard
more than $2,192 a month
Compared with the typical household income in Posen ($73,051 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,150
Property tax
$271
Home insurance
$72
FHA mortgage insurance (MIP)
$76
You need at least $6,052 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 $1,570; principal and interest $1,150.
The city and its county
Posen and Cook County
Posen 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).
Posen
Map of Cook County, Illinois, with Posen marked. Around it, the neighboring counties.
Posen
Cook County
Other cities with a page
Posen's own numbers
Typical home value
$172,900
Typical monthly rent
$1,372
Typical yearly household income
$73,051
Households that own their home
67%
Effective property tax rate
1.88%
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 Posen is worth $172,900: 47% below the county and 34% below Illinois. With the typical household income in Posen ($73,051 a year), a typical home costs 2.4 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.
Posen2.4 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
Posen 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
Posen$172,900
Cook$324,500
Illinois$263,300
United States$332,700
Typical monthly rent
Posen$1,372
Cook$1,435
Illinois$1,274
United States$1,413
Typical yearly household income
Posen$73,051
Cook$83,498
Illinois$83,390
United States$80,734
See the full table
Posen next to Cook County and Illinois
Measure
Posen
Cook County
Illinois
U.S.
Typical home value
$172,900 ▼47% below the county
$324,500
$263,300
$332,700
Typical monthly rent
$1,372 ▼4% below the county
$1,435
$1,274
$1,413
Typical yearly household income
$73,051 ▼13% below the county
$83,498
$83,390
$80,734
Households that own their home
67% ▲9 points above the county
58%
67%
65%
Typical yearly property tax
$3,253 ▼47% below the county
$6,191
$5,298
$3,119
Effective property tax rate
1.88% ▼0.03 points below the county
1.91%
2.01%
0.94%
Renters with high rent for their income
45% ▼4 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 Posen
For a typical $172,900 home in Posen, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Posen's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,569a month
Least cash to close
Down payment
$6,052
Cash to close
$11,239
Rate
7.18%
Mortgage insurance
FHA MIP · $76
Conventional, 5% down$1,538a month
Down payment
$8,645
Cash to close
$13,832
Rate
7.18%
Mortgage insurance
PMI · $82
Conventional, 20% down, no PMI$1,280a month
Down payment
$34,580
Cash to close
$39,767
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,440a month
Down payment
$25,935
Cash to close
$31,122
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Posen
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,569
$6,052
$169,768
7.18%
FHA MIP · $76
$11,239
580
Conventional, 5% down
$1,538
$8,645
$164,255
7.18%
PMI · $82
$13,832
620*
Conventional, 20% down, no PMI
$1,280
$34,580
$138,320
7.18%
None
$39,767
620*
ITIN, 15% down (example)
$1,440
$25,935
$146,965
8.18%
None
$31,122
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 Posen is $1,372 a month: 4% below the county. In Posen, 45% 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.
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 Posen or Cook County. The ones below are statewide in Illinois: they work in Posen 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 Posen 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 Posen 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 Posen?
The typical home value in Posen is $172,900, 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 Posen?
Typical rent in Posen is $1,372 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 Posen?
Posen 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 Posen?
The typical homeowner in Posen pays $3,253 a year, according to the U.S. Census Bureau. That is 1.88% of the home’s value; in Cook County, the rate is 1.91%.
Where can I find free help to buy or rent in Posen?
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.
