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City · 9,240 residents · Kane County, Illinois

Sugar Grove , Illinois

In Sugar Grove, a typical home is worth $401,900 and typical rent is $1,543 a month. Compared with all of Kane County, the typical home value is 23% higher, typical household income is 17% higher, and the share of households that own their home is 17 points higher.

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  • Typical home value

    $401,900

    23% above the county

    53% above Illinois

    • Sugar Grove
    • Kane
    • Illinois

  • Typical rent

    $1,543a month

    6% above the county

    21% above Illinois

    • Sugar Grove
    • Kane
    • Illinois

  • Typical household income

    $121,207a year

    17% above the county

    45% above Illinois

    • Sugar Grove
    • Kane
    • Illinois

  • Households that own their home

    93%

    17 points above the county

    26 points above Illinois

    • Sugar Grove
    • Kane
    • Illinois

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$464,419
4.9% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Sugar Grove is in Kane 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 Kane County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Sugar Grove apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Plano, the typical home value is $230,700: 43% less than in Sugar Grove ($401,900).

  2. 93% of households in Sugar Grove own their home, against 76% in Kane County.

  3. The typical home in Sugar Grove is worth $401,900, 23% more than in Kane County as a whole ($327,000).

  4. The typical household income in Sugar Grove is $121,207, 17% more than in Kane County as a whole ($103,163).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Sugar Grove

What homes there are in Sugar Grove, 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

The detached house is the most common home in Sugar Grove: 70% of homes, near the figure in Kane County (69%).

Year built

Here half of the homes date from 2002 or later; in Kane County, from 1985 or later.

There is more room for a big family here: 81% of homes have 3 bedrooms or more, against 68% in Kane County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,676 a month

Kane County: $2,256 a month

Without a mortgage

$1,095 a month

Kane County: $958 a month

Owners with a mortgage

63%

Kane County: 67%

Owning costs more in Sugar Grove: with a mortgage, the typical cost is $2,676 a month; in Kane County, $2,256. Without one, $1,095.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Sugar Grove rose 38% since 2015–2019, about the same as in Kane County (37%).

Rent in Sugar Grove moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureSugar GroveKane CountyIllinoisUnited States
Rental vacancy Unreliable estimate3.1%5.0%5.5%
Homeowner vacancy Unreliable estimate0.7%1.0%0.9%
More than one person per room Unreliable estimate3.0%2.5%3.4%
People per household 2.672.772.462.53
Drive alone 70%71%66%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimate2%6%3%
Walk or bike Unreliable estimate1%3%3%
Work from home 27%16%16%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Sugar Grove has 2.67 people on average, about the same as in Kane County (2.77).

Working from home is more common in Sugar Grove: 27%, against 16% in Kane County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Sugar Grove?

A typical home costs more than the typical income allows

We start with a typical home in Sugar Grove, worth $401,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Sugar Grove, which is $121,207 a year. For that payment to be 28% of income, a household would need to earn about $162,235 a year.

The calculator's FHA and conventional loan limits are those of all of Kane County.

Your numbers

Local data
$

Starts at the typical home value in Sugar Grove. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $14,067 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,786

at 7.18% · 30 years

Loan amount
$394,620
Total interest
$567,766
Paid off in
November 2056

Includes $6,787 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,828 a month

  • Tight

    $2,828 to $3,636 a month

  • Hard

    more than $3,636 a month

    Your payment · 37%

Compared with the typical household income in Sugar Grove ($121,207 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,786
Principal & interest$2,673
Property tax$767
Home insurance$168
FHA mortgage insurance (MIP)$178

You need at least $14,067 for the down payment, plus closing costs.

Next step

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.

The city and its county

Sugar Grove and Kane County

Sugar Grove is in Kane 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).

Sugar Grove's own numbers

Typical home value
$401,900
Typical monthly rent
$1,543
Typical yearly household income
$121,207
Households that own their home
93%
Effective property tax rate
2.29%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Kane 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)
+56%
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 Kane County.

Everything about Kane County

Buying

Buying a home in Sugar Grove

A typical home in Sugar Grove is worth $401,900: 23% above the county and 53% above Illinois. With the typical household income in Sugar Grove ($121,207 a year), a typical home costs 3.3 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.

  • Sugar Grove 3.3 years
  • Kane 3.2 years
  • Illinois 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Kane County

According to FHFA’s house price index, home prices in Kane County rose 82% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Kane County.

Period County Illinois U.S.
Last year (2025) +5.8% +5.7% +2.9%
5 years (2020–2025) +56% +47% +47%
10 years (2015–2025) +82% +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

Sugar Grove next to Kane 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
  • Sugar Grove $401,900
  • Kane $327,000
  • Illinois $263,300
  • United States $332,700
Typical monthly rent
  • Sugar Grove $1,543
  • Kane $1,453
  • Illinois $1,274
  • United States $1,413
Typical yearly household income
  • Sugar Grove $121,207
  • Kane $103,163
  • Illinois $83,390
  • United States $80,734
See the full table
Sugar Grove next to Kane County and Illinois
Measure Sugar Grove Kane County Illinois U.S.
Typical home value $401,900 $327,000 $263,300 $332,700
Typical monthly rent $1,543 $1,453 $1,274 $1,413
Typical yearly household income $121,207 $103,163 $83,390 $80,734
Households that own their home 93% 76% 67% 65%
Typical yearly property tax $9,221 $7,382 $5,298 $3,119
Effective property tax rate 2.29% 2.26% 2.01% 0.94%
Renters with high rent for their income 44% 50% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kane 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 Sugar Grove

For a typical $401,900 home in Sugar Grove, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sugar Grove's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,785a month

    Least cash to close
    Down payment
    $14,067
    Cash to close
    $26,124
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $178

  • Conventional, 5% down $3,712a month

    Down payment
    $20,095
    Cash to close
    $32,152
    Rate
    7.18%
    Mortgage insurance
    PMI · $191

  • Conventional, 20% down, no PMI $3,113a month

    Down payment
    $80,380
    Cash to close
    $92,437
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,484a month

    Down payment
    $60,285
    Cash to close
    $72,342
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Sugar Grove and for Kane County.

Property tax

Effective rate in Sugar Grove

2.29%of the home’s value each year

$9,221 a year for the typical owner in Sugar Grove.

  • Sugar Grove 2.29%
  • Kane 2.26%
  • Illinois 2.01%

What Illinois publishes General Homestead Exemption (Illinois Department of Revenue)

Exemptions and deadlines in Illinois

Flood risk in Kane County

FEMA does not publish these numbers by city: they are for all of Kane County.

Homes in the high-risk zone
1%
1,465
Of those, with NFIP insurance
28%
County Illinois U.S.
Homes in the high-risk zone 1% 1.5% 3.5%
Of those, with NFIP insurance 28% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Sugar Grove

Typical rent in Sugar Grove is $1,543 a month: 6% above the county. In Sugar Grove, 44% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Kane 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.

HUD fair market rent for all of Kane County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 Sugar Grove

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sugar Grove is in ZIP code 60554.

For 2 bedrooms it is $1,750: $261 less than the fair market rent for Kane County ($2,011).

  • 60554 $1,750$2,250

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sugar Grove 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Sugar Grove

HUD lists one building with rents for lower incomes in Sugar Grove.

  • Chelsea Senior Commons 55 Chelsea Ave, Sugar Grove 60554 40 low-income homes · 1 bd: 24 · 2 bd: 16 · In service since 2019 · For older adults

See all 51 buildings in Kane County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Sugar Grove

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 2 HUD-approved agencies with an office in Kane County; 2 say they serve in Spanish.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Sugar Grove

No down payment, repair or rent-help program on our list is for Sugar Grove or Kane County. The ones below are statewide in Illinois: they work in Sugar Grove the same as in the rest of the state.

Which programs do I qualify for? All programs in Illinois

  • IHDAccess Home

    Statewide in Illinois

    Limited funds remain, per the source

    IHDA second loan with deferred payments for first-time buyers in Illinois. Offered by Illinois Housing Development Authority (IHDA).

    Deferred

    See the program Official page

  • IHDAccess Forgivable

    Statewide in Illinois

    Limited funds remain, per the source

    IHDA second loan forgiven little by little over ten years, for the down payment in Illinois. Offered by Illinois Housing Development Authority (IHDA).

    Forgivable

    See the program Official page

  • IHDAccess Deferred

    Statewide in Illinois

    Limited funds remain, per the source

    IHDA second loan with no payments until you sell or refinance, for the down payment in Illinois. Offered by Illinois Housing Development Authority (IHDA).

    Deferred

    See the program Official page

Housing counselors near Sugar Grove

The HUD-approved agencies closest to the center of Sugar Grove, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • The Neighbor Project

    32 S Broadway, Aurora · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (630) 906-9400

  • Dupage Homeownership Center, Inc. DBA H.o.m.e. Dupage, Inc.

    1600 E Roosevelt Rd, Wheaton · 19 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (630) 260-2500

  • Consumer Credit Counseling Services of Northern Illinois

    620 Wing St, Elgin · 20 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (815) 338-5757

Every agency in Kane County All counseling agencies in Illinois

Help in Spanish near Sugar Grove

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Sugar Grove

In HUD’s record, no housing authority with an office in Kane County is named for Sugar Grove or Kane County.

2 other authorities have an office in Kane County: see the list Source: HUD

Cities

Other cities in Kane County

These cities are also in Kane County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Kane County Housing in Illinois
See 2 more cities in Kane County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Sugar Grove, with the typical home value.

Neighboring counties

If Kane County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Sugar Grove.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Sugar Grove

Short answers with the numbers for Sugar Grove and all of Kane 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 Sugar Grove?

The typical home value in Sugar Grove is $401,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kane County it is $327,000.

How much does it cost to rent in Sugar Grove?

Typical rent in Sugar Grove is $1,543 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kane County is $2,011.

What is the FHA loan limit in Sugar Grove?

Sugar Grove uses the FHA limit for all of Kane 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 Sugar Grove?

The typical homeowner in Sugar Grove pays $9,221 a year, according to the U.S. Census Bureau. That is 2.29% of the home’s value; in Kane County, the rate is 2.26%.

Where can I find free help to buy or rent in Sugar Grove?

There are 2 HUD-approved counseling agencies with an office in Kane County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).