In Winnetka, a typical home is worth $1,337,800 and typical rent is $1,842 a month. Compared with all of Cook County, the typical home value is 312% higher, typical household income is 199% higher, and the share of households that own their home is 34 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $1,259,897 to $1,936,588.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Winnetka 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
Winnetka has the highest typical household income of the 337 cities in Illinois with more than 5,000 people: $250,001.
2
92% of households in Winnetka own their home, against 58% in Cook County.
3
Winnetka has the 2nd highest typical home value of the 336 cities in Illinois with more than 5,000 people ($1,337,800).
4
Nearby, in Evanston, the typical home value is $481,200: 64% less than in Winnetka ($1,337,800).
5
According to Zillow, in the 12 months to September 2026 the typical home value in Winnetka rose 14.6%; in Illinois, it rose 5.3%.
6
The typical rent in Winnetka is $1,842 a month, 28% more than in Cook County as a whole ($1,435).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Winnetka
What homes there are in Winnetka, 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
Winnetka
Cook County
Illinois
United States
Kind of home: Winnetka and its comparisons
Measure
Winnetka
Cook County
Illinois
United States
Detached house
89%
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 89% of homes here, against 40% in Cook County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Winnetka
Cook County
Illinois
United States
Year built: Winnetka and its comparisons
Measure
Winnetka
Cook County
Illinois
United States
Before 1960
67%
49%
38%
26%
1960–1979
12%
25%
26%
24%
1980–1999
7%
14%
20%
25%
2000–2009
6%
8%
11%
14%
2010 or later
7%
5%
6%
11%
There is more room for a big family here: 90% of homes have 3 bedrooms or more, against 49% 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–$300KUnreliable
$300K–$500KUnreliable
$500K–$750K7%
$750K–$1M13%
$1M or more70%
Value of owner-occupied homes: Winnetka and its comparisons
Measure
Winnetka
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
7%
$750K–$1M
13%
$1M or more
70%
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: Winnetka and its comparisons
Measure
Winnetka
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
$3,000 or more
Unreliable estimate
Owners with a mortgage
66%
Cook County: 62%
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Winnetka+23%
Cook County+32%
Illinois+35%
United States+53%
Typical rent
WinnetkaNo clear change
Cook County+28%
Illinois+26%
United States+33%
Change since 2015–2019: Winnetka and its comparisons
Measure
Winnetka
Cook County
Illinois
United States
Typical home value
+23%
+32%
+35%
+53%
Typical rent
No clear change
+28%
+26%
+33%
Typical household income
No data
+29%
+27%
+29%
Homes in Winnetka gained value more slowly than in Cook County: 23% since 2015–2019, against 32%.
Rent in Winnetka 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: Winnetka and its comparisons
Measure
Winnetka
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
2.99
2.43
2.46
2.53
Drive alone
45%
55%
66%
69%
Carpool
Unreliable estimate
8%
8%
9%
Public transit
17%
12%
6%
3%
Walk or bike
Unreliable estimate
5%
3%
3%
Work from home
29%
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
More people live in each home here: 2.99 on average, against 2.43 in Cook County.
Many people here do not commute at all: 29% work from home; in Cook County, 19%.
Do the math
What would you pay each month for a home in Winnetka?
A typical home costs more than the typical income allows
We start with a typical home in Winnetka, worth $1,337,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 53% of the typical household income in Winnetka, which is $250,001 a year. For that payment to be 28% of income, a household would need to earn about $475,670 a year. Note: at that price the loan is above the FHA limit for Cook County ($541,287), so FHA would not insure it; the payment is only a reference.
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 Winnetka. 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 $46,823 (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
$11,099
at 7.18% · 30 years
Loan amount
$1,313,569
Total interest
$1,889,918
Paid off in
November 2056
Includes $22,592 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $5,833 a month
Tight
$5,833 to $7,500 a month
Hard
more than $7,500 a month
Your payment · 53%
Compared with the typical household income in Winnetka ($250,001 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$8,899
Property tax
$836
Home insurance
$557
FHA mortgage insurance (MIP)
$807
This loan is over the FHA limit
You'd borrow $1,290,977, but the FHA limit for a one-unit home in Winnetka is $541,287. You'd need a bigger down payment or a different loan.
You need at least $46,823 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 $11,099; principal and interest $8,899.
The city and its county
Winnetka and Cook County
Winnetka 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).
Winnetka
Map of Cook County, Illinois, with Winnetka marked. Around it, the neighboring counties.
Winnetka
Cook County
Other cities with a page
Winnetka's own numbers
Typical home value
$1,337,800
Typical monthly rent
$1,842
Typical yearly household income
$250,001
Households that own their home
92%
Effective property tax rate
0.75%
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 Winnetka is worth $1,337,800: 312% above the county and 408% above Illinois. With the typical household income in Winnetka ($250,001 a year), a typical home costs 5.4 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.
Winnetka5.4 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
Winnetka 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
Winnetka$1,337,800
Cook$324,500
Illinois$263,300
United States$332,700
Typical monthly rent
Winnetka$1,842
Cook$1,435
Illinois$1,274
United States$1,413
Typical yearly household income
Winnetka$250,001
Cook$83,498
Illinois$83,390
United States$80,734
See the full table
Winnetka next to Cook County and Illinois
Measure
Winnetka
Cook County
Illinois
U.S.
Typical home value
$1,337,800 ▲312% above the county
$324,500
$263,300
$332,700
Typical monthly rent
$1,842 ▲28% above the county
$1,435
$1,274
$1,413
Typical yearly household income
$250,001 ▲199% above the county
$83,498
$83,390
$80,734
Households that own their home
92% ▲34 points above the county
58%
67%
65%
Typical yearly property tax
$10,001 ▲62% above the county
$6,191
$5,298
$3,119
Effective property tax rate
0.75% ▼1.16 points below the county
1.91%
2.01%
0.94%
Renters with high rent for their income
57% ▲8 points above 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 Winnetka
For a typical $1,337,800 home in Winnetka, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Winnetka's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$11,099a month
Above the FHA limit for Cook County ($541,287)
Down payment
$46,823
Cash to close
$86,957
Rate
7.18%
Mortgage insurance
FHA MIP · $807
Conventional, 5% down$10,639a month
Above the conventional limit for Cook County ($832,750): it would be a "jumbo" loan
Down payment
$66,890
Cash to close
$107,024
Rate
7.18%
Mortgage insurance
PMI · $635
Conventional, 20% down, no PMI$8,644a month
Above the conventional limit for Cook County ($832,750): it would be a "jumbo" loan
Down payment
$267,560
Cash to close
$307,694
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$9,881a month
Down payment
$200,670
Cash to close
$240,804
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Winnetka
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Cook County ($541,287)
$11,099
$46,823
$1,313,569
7.18%
FHA MIP · $807
$86,957
580
Conventional, 5% down Above the conventional limit for Cook County ($832,750): it would be a "jumbo" loan
$10,639
$66,890
$1,270,910
7.18%
PMI · $635
$107,024
620*
Conventional, 20% down, no PMI Above the conventional limit for Cook County ($832,750): it would be a "jumbo" loan
$8,644
$267,560
$1,070,240
7.18%
None
$307,694
620*
ITIN, 15% down (example)
$9,881
$200,670
$1,137,130
8.18%
None
$240,804
Set by the lender
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 Winnetka is $1,842 a month: 28% above the county. In Winnetka, 57% 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 Winnetka
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Winnetka is in ZIP code 60093.
For 2 bedrooms it is $2,630: $619 more than the fair market rent for Cook County ($2,011).
Fair market rent by ZIP code and size in Winnetka, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
60093
$2,190
$2,330
$2,630
$3,380
$3,860
ZIP code2 bd3 bd
60093 $2,630$3,380
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Winnetka 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 Winnetka or Cook County. The ones below are statewide in Illinois: they work in Winnetka 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 Winnetka 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 Winnetka 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 Winnetka?
The typical home value in Winnetka is $1,337,800, 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 Winnetka?
Typical rent in Winnetka is $1,842 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 Winnetka?
Winnetka 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 Winnetka?
The typical homeowner in Winnetka pays $10,001 a year, according to the U.S. Census Bureau. That is 0.75% of the home’s value; in Cook County, the rate is 1.91%.
Where can I find free help to buy or rent in Winnetka?
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.
