In Sandwich, a typical home is worth $255,700 and typical rent is $1,029 a month. Compared with all of DeKalb County, typical household income is 14% higher and the share of households that own their home is 14 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $224,968 to $323,573.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Sandwich is in DeKalb 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 DeKalb County. See the county
What this place has that others do not, from public data, most unusual first.
1
76% of households in Sandwich own their home, against 61% in DeKalb County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Sandwich
What homes there are in Sandwich, 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
Sandwich
DeKalb County
Illinois
United States
Kind of home: Sandwich and its comparisons
Measure
Sandwich
DeKalb County
Illinois
United States
Detached house
71%
58%
58%
61%
Attached house
7%
9%
6%
6%
Building of 2 to 4
12%
10%
12%
8%
Apartments (5 or more)
Unreliable estimate
21%
22%
19%
Mobile home
6%
2%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Sandwich, 7 in 10 homes are single-family detached houses; in DeKalb County, 6.
Mobile homes are 6% of homes in Sandwich, more than in DeKalb County (2%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Sandwich
DeKalb County
Illinois
United States
Year built: Sandwich and its comparisons
Measure
Sandwich
DeKalb County
Illinois
United States
Before 1960
28%
25%
38%
26%
1960–1979
25%
27%
26%
24%
1980–1999
26%
22%
20%
25%
2000–2009
19%
21%
11%
14%
2010 or later
Unreliable estimate
4%
6%
11%
By age, homes in Sandwich look like those in DeKalb County: the typical year built is 1978.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K9%
$100K–$200K18%
$200K–$300K39%
$300K–$500K31%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Sandwich and its comparisons
Measure
Sandwich
Under $100K
9%
$100K–$200K
18%
$200K–$300K
39%
$300K–$500K
31%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
The FHA limit for DeKalb County is high ($541,287): at least 97% of owner-occupied homes in Sandwich are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99928%
$1,000–$1,49942%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Sandwich and its comparisons
Measure
Sandwich
Under $500
Unreliable estimate
$500–$999
28%
$1,000–$1,499
42%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,773 a month
DeKalb County: $1,866 a month
Without a mortgage
$787 a month
DeKalb County: $869 a month
Owners with a mortgage
61%
DeKalb County: 67%
The typical cost for an owner with a mortgage in Sandwich is $1,773 a month, near the figure in DeKalb County ($1,866).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Sandwich+50%
DeKalb County+41%
Illinois+35%
United States+53%
Typical rent
SandwichNo clear change
DeKalb County+13%
Illinois+26%
United States+33%
Typical household income
Sandwich+22%
DeKalb County+12%
Illinois+27%
United States+29%
Change since 2015–2019: Sandwich and its comparisons
Measure
Sandwich
DeKalb County
Illinois
United States
Typical home value
+50%
+41%
+35%
+53%
Typical rent
No clear change
+13%
+26%
+33%
Typical household income
+22%
+12%
+27%
+29%
Since 2015–2019, homes in Sandwich gained value faster than in DeKalb County: 50% against 41%.
Since 2015–2019, the typical rent in Sandwich did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Sandwich and its comparisons
Measure
Sandwich
DeKalb County
Illinois
United States
Rental vacancy
Unreliable estimate
2.6%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.0%
0.9%
More than one person per room
Unreliable estimate
2.0%
2.5%
3.4%
People per household
2.56
2.42
2.46
2.53
Drive alone
81%
75%
66%
69%
Carpool
Unreliable estimate
10%
8%
9%
Public transit
Unreliable estimate
1%
6%
3%
Walk or bike
3%
5%
3%
3%
Work from home
12%
9%
16%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 2.56 on average, against 2.42 in DeKalb County.
To get to work, 81% of workers in Sandwich drive alone; in DeKalb County, 75%.
Do the math
What would you pay each month for a home in Sandwich?
A typical home is tight for the typical income
We start with a typical home in Sandwich, worth $255,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Sandwich, which is $80,768 a year. For that payment to be 28% of income, a household would need to earn about $101,666 a year.
The calculator's FHA and conventional loan limits are those of all of DeKalb 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 Sandwich. 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 $8,950 (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
$2,372
at 7.18% · 30 years
Loan amount
$251,068
Total interest
$361,228
Paid off in
November 2056
Includes $4,318 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,885 a month
Tight
$1,885 to $2,423 a month
Your payment · 35%
Hard
more than $2,423 a month
Compared with the typical household income in Sandwich ($80,768 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,701
Property tax
$452
Home insurance
$107
FHA mortgage insurance (MIP)
$113
You need at least $8,950 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 $2,372; principal and interest $1,701.
The city and its county
Sandwich and DeKalb County
Sandwich is in DeKalb 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).
Sandwich
Map of DeKalb County, Illinois, with Sandwich marked. Around it, the neighboring counties.
Sandwich
DeKalb County
Other cities with a page
Sandwich's own numbers
Typical home value
$255,700
Typical monthly rent
$1,029
Typical yearly household income
$80,768
Households that own their home
76%
Effective property tax rate
2.12%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of DeKalb County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,481
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
1.7%
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 DeKalb County.
A typical home in Sandwich is worth $255,700: 5% above the county and 3% below Illinois. With the typical household income in Sandwich ($80,768 a year), a typical home costs 3.2 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.
Sandwich3.2 years
DeKalb3.4 years
Illinois3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in DeKalb County
According to FHFA’s house price index, home prices in DeKalb County rose 85% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of DeKalb County.
Yearly change in FHFA’s price index in DeKalb County, 2016 to 2025
2016: +4.0% +4.0% 2016
2017: +4.8% +4.8% 2017
2018: +3.4% +3.4% 2018
2019: +3.9% +3.9% 2019
2020: +1.6% +1.6% 2020
2021: +10.6% +10.6% 2021
2022: +11.5% +11.5% 2022
2023: +11.2% +11.2% 2023
2024: +6.4% +6.4% 2024
2025: +6.4% +6.4% 2025
Change in FHFA’s price index in DeKalb County, Illinois and the United States
Period
County
Illinois
U.S.
Last year (2025)
+6.4%
+5.7%
+2.9%
5 years (2020–2025)
+55%
+47%
+47%
10 years (2015–2025)
+85%
+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
Sandwich next to DeKalb 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
Sandwich$255,700
DeKalb$243,600
Illinois$263,300
United States$332,700
Typical monthly rent
Sandwich$1,029
DeKalb$1,049
Illinois$1,274
United States$1,413
Typical yearly household income
Sandwich$80,768
DeKalb$70,724
Illinois$83,390
United States$80,734
See the full table
Sandwich next to DeKalb County and Illinois
Measure
Sandwich
DeKalb County
Illinois
U.S.
Typical home value
$255,700 ▲5% above the county
$243,600
$263,300
$332,700
Typical monthly rent
$1,029
$1,049
$1,274
$1,413
Typical yearly household income
$80,768 ▲14% above the county
$70,724
$83,390
$80,734
Households that own their home
76% ▲14 points above the county
61%
67%
65%
Typical yearly property tax
$5,433 ▼9% below the county
$5,974
$5,298
$3,119
Effective property tax rate
2.12% ▼0.33 points below the county
2.45%
2.01%
0.94%
Renters with high rent for their income
50% ▼7 points below the county
57%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below DeKalb 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 Sandwich
For a typical $255,700 home in Sandwich, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sandwich's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,372a month
Least cash to close
Down payment
$8,950
Cash to close
$16,621
Rate
7.18%
Mortgage insurance
FHA MIP · $113
Conventional, 5% down$2,325a month
Down payment
$12,785
Cash to close
$20,456
Rate
7.18%
Mortgage insurance
PMI · $121
Conventional, 20% down, no PMI$1,944a month
Down payment
$51,140
Cash to close
$58,811
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,180a month
Down payment
$38,355
Cash to close
$46,026
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Sandwich
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,372
$8,950
$251,069
7.18%
FHA MIP · $113
$16,621
580
Conventional, 5% down
$2,325
$12,785
$242,915
7.18%
PMI · $121
$20,456
620*
Conventional, 20% down, no PMI
$1,944
$51,140
$204,560
7.18%
None
$58,811
620*
ITIN, 15% down (example)
$2,180
$38,355
$217,345
8.18%
None
$46,026
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 Sandwich is $1,029 a month: about the same as the county. In Sandwich, 50% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of DeKalb County, by unit size. To pay the 2-bedroom one ($1,481 a month) without spending more than 30% of your income, you would need to earn $28.48 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 DeKalb County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,052
$20.23
$42,080
1 bedroom
$1,155
$22.21
$46,200
2 bedrooms
$1,481
$28.48
$59,240
3 bedrooms
$2,006
$38.58
$80,240
4 bedrooms
$2,301
$44.25
$92,040
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 Sandwich
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sandwich is in ZIP code 60548.
For 2 bedrooms it is $1,850: $369 more than the fair market rent for DeKalb County ($1,481).
Fair market rent by ZIP code and size in Sandwich, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
60548
$1,280
$1,410
$1,850
$2,540
$2,630
ZIP code2 bd3 bd
60548 $1,850$2,540
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sandwich 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 DeKalb 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 Sandwich or DeKalb County. The ones below are statewide in Illinois: they work in Sandwich 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 Sandwich or DeKalb 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 Sandwich and all of DeKalb 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 Sandwich?
The typical home value in Sandwich is $255,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in DeKalb County it is $243,600.
How much does it cost to rent in Sandwich?
Typical rent in Sandwich is $1,029 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in DeKalb County is $1,481.
What is the FHA loan limit in Sandwich?
Sandwich uses the FHA limit for all of DeKalb 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 Sandwich?
The typical homeowner in Sandwich pays $5,433 a year, according to the U.S. Census Bureau. That is 2.12% of the home’s value; in DeKalb County, the rate is 2.45%.
Where can I find free help to buy or rent in Sandwich?
We found no HUD-approved counseling agencies with an office in DeKalb County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
