In Winthrop Harbor, a typical home is worth $250,800 and typical rent is $1,313 a month. Compared with all of Lake County, the typical home value is 27% lower, typical household income is 13% lower, and the share of households that own their home is 12 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $198,901 to $319,735.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Winthrop Harbor is in Lake 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 Lake County. See the county
What this place has that others do not, from public data, most unusual first.
1
According to Zillow, in the 12 months to September 2026 the typical home value in Winthrop Harbor rose 15%; in Illinois, it rose 5.3%.
2
Nearby, in Zion, the typical home value is $183,800: 27% less than in Winthrop Harbor ($250,800).
3
The typical home in Winthrop Harbor is worth $250,800,27% less than in Lake County as a whole ($345,700).
4
87% of households in Winthrop Harbor own their home, against 75% in Lake County.
5
Nearby, in Park City, the typical rent is $1,110: 15% less than in Winthrop Harbor ($1,313).
Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data
The homes here
Housing in Winthrop Harbor
What homes there are in Winthrop Harbor, 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
Winthrop Harbor
Lake County
Illinois
United States
Kind of home: Winthrop Harbor and its comparisons
Measure
Winthrop Harbor
Lake County
Illinois
United States
Detached house
92%
67%
58%
61%
Attached house
Unreliable estimate
10%
6%
6%
Building of 2 to 4
Unreliable estimate
6%
12%
8%
Apartments (5 or more)
Unreliable estimate
16%
22%
19%
Mobile home
Unreliable estimate
2%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Winthrop Harbor, 9 in 10 homes are single-family detached houses; in Lake County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Winthrop Harbor
Lake County
Illinois
United States
Year built: Winthrop Harbor and its comparisons
Measure
Winthrop Harbor
Lake County
Illinois
United States
Before 1960
26%
21%
38%
26%
1960–1979
22%
25%
26%
24%
1980–1999
36%
33%
20%
25%
2000–2009
15%
15%
11%
14%
2010 or later
Unreliable estimate
6%
6%
11%
The typical year built in Winthrop Harbor is 1981, about the same as in Lake County (1983).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K29%
$200K–$300K35%
$300K–$500K30%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Winthrop Harbor and its comparisons
Measure
Winthrop Harbor
Under $100K
Unreliable estimate
$100K–$200K
29%
$200K–$300K
35%
$300K–$500K
30%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
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: Winthrop Harbor and its comparisons
Measure
Winthrop Harbor
Under $500
Unreliable
$500–$999
Unreliable estimate
$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
$1,998 a month
Lake County: $2,503 a month
Without a mortgage
$932 a month
Lake County: $1,088 a month
Owners with a mortgage
57%
Lake County: 64%
The typical cost for an owner with a mortgage in Winthrop Harbor is $1,998 a month, less than in Lake County ($2,503); without one, $932.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Winthrop Harbor+28%
Lake County+30%
Illinois+35%
United States+53%
Typical rent
Winthrop Harbor+23%
Lake County+23%
Illinois+26%
United States+33%
Typical household income
Winthrop HarborNo clear change
Lake County+24%
Illinois+27%
United States+29%
Change since 2015–2019: Winthrop Harbor and its comparisons
Measure
Winthrop Harbor
Lake County
Illinois
United States
Typical home value
+28%
+30%
+35%
+53%
Typical rent
+23%
+23%
+26%
+33%
Typical household income
No clear change
+24%
+27%
+29%
From 2015–2019 to 2020–2024, home values in Winthrop Harbor rose at about the same pace as in Lake County: 28% against 30%.
The typical rent in Winthrop Harbor rose 23% since 2015–2019, about the same as in Lake County (23%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Winthrop Harbor and its comparisons
Measure
Winthrop Harbor
Lake County
Illinois
United States
Rental vacancy
Unreliable estimate
3.7%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
1.0%
0.9%
More than one person per room
Unreliable estimate
2.9%
2.5%
3.4%
People per household
2.28
2.69
2.46
2.53
Drive alone
77%
66%
66%
69%
Carpool
Unreliable estimate
9%
8%
9%
Public transit
Unreliable estimate
3%
6%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
11%
20%
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
Households in Winthrop Harbor are smaller: 2.28 people on average; in Lake County, 2.69.
In Winthrop Harbor, 77% of workers drive alone to work; in Lake County, 66%.
Do the math
What would you pay each month for a home in Winthrop Harbor?
A typical home is tight for the typical income
We start with a typical home in Winthrop Harbor, worth $250,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Winthrop Harbor, which is $95,690 a year. For that payment to be 28% of income, a household would need to earn about $107,241 a year.
The calculator's FHA and conventional loan limits are those of all of Lake 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 Winthrop Harbor. 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 $8,778 (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
$2,502
at 7.18% · 30 years
Loan amount
$246,257
Total interest
$354,307
Paid off in
November 2056
Includes $4,235 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,233 a month
Tight
$2,233 to $2,871 a month
Your payment · 31%
Hard
more than $2,871 a month
Compared with the typical household income in Winthrop Harbor ($95,690 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,668
Property tax
$619
Home insurance
$105
FHA mortgage insurance (MIP)
$111
You need at least $8,778 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 $2,502; principal and interest $1,668.
The city and its county
Winthrop Harbor and Lake County
Winthrop Harbor is in Lake 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).
Winthrop Harbor
Map of Lake County, Illinois, with Winthrop Harbor marked. Around it, the neighboring counties.
Winthrop Harbor
Lake County
Other cities with a page
Winthrop Harbor's own numbers
Typical home value
$250,800
Typical monthly rent
$1,313
Typical yearly household income
$95,690
Households that own their home
87%
Effective property tax rate
2.96%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Lake 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)
+54%
Homes in a high flood-risk zone
2%
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 Lake County.
A typical home in Winthrop Harbor is worth $250,800: 27% below the county and 5% below Illinois. With the typical household income in Winthrop Harbor ($95,690 a year), a typical home costs 2.6 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.
Winthrop Harbor2.6 years
Lake3.1 years
Illinois3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Lake County
According to FHFA’s house price index, home prices in Lake County rose 66% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Lake County.
Yearly change in FHFA’s price index in Lake County, 2016 to 2025
2016: +2.3% +2.3% 2016
2017: +1.8% +1.8% 2017
2018: +1.3% +1.3% 2018
2019: +1.9% +1.9% 2019
2020: +0.5% +0.5% 2020
2021: +8.3% +8.3% 2021
2022: +13.8% +13.8% 2022
2023: +9.0% +9.0% 2023
2024: +7.6% +7.6% 2024
2025: +6.7% +6.7% 2025
Change in FHFA’s price index in Lake County, Illinois and the United States
Period
County
Illinois
U.S.
Last year (2025)
+6.7%
+5.7%
+2.9%
5 years (2020–2025)
+54%
+47%
+47%
10 years (2015–2025)
+66%
+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
Winthrop Harbor next to Lake 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
Winthrop Harbor$250,800
Lake$345,700
Illinois$263,300
United States$332,700
Typical monthly rent
Winthrop Harbor$1,313
Lake$1,477
Illinois$1,274
United States$1,413
Typical yearly household income
Winthrop Harbor$95,690
Lake$110,416
Illinois$83,390
United States$80,734
See the full table
Winthrop Harbor next to Lake County and Illinois
Measure
Winthrop Harbor
Lake County
Illinois
U.S.
Typical home value
$250,800 ▼27% below the county
$345,700
$263,300
$332,700
Typical monthly rent
$1,313 ▼11% below the county
$1,477
$1,274
$1,413
Typical yearly household income
$95,690 ▼13% below the county
$110,416
$83,390
$80,734
Households that own their home
87% ▲12 points above the county
75%
67%
65%
Typical yearly property tax
$7,419 ▼17% below the county
$8,923
$5,298
$3,119
Effective property tax rate
2.96% ▲0.38 points above the county
2.58%
2.01%
0.94%
Renters with high rent for their income
55% ▲6 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 Lake 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 Winthrop Harbor
For a typical $250,800 home in Winthrop Harbor, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Winthrop Harbor's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,502a month
Least cash to close
Down payment
$8,778
Cash to close
$16,302
Rate
7.18%
Mortgage insurance
FHA MIP · $111
Conventional, 5% down$2,456a month
Down payment
$12,540
Cash to close
$20,064
Rate
7.18%
Mortgage insurance
PMI · $119
Conventional, 20% down, no PMI$2,082a month
Down payment
$50,160
Cash to close
$57,684
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,314a month
Down payment
$37,620
Cash to close
$45,144
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Winthrop Harbor
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,502
$8,778
$246,257
7.18%
FHA MIP · $111
$16,302
580
Conventional, 5% down
$2,456
$12,540
$238,260
7.18%
PMI · $119
$20,064
620*
Conventional, 20% down, no PMI
$2,082
$50,160
$200,640
7.18%
None
$57,684
620*
ITIN, 15% down (example)
$2,314
$37,620
$213,180
8.18%
None
$45,144
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 Winthrop Harbor is $1,313 a month: 11% below the county. In Winthrop Harbor, 55% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Lake 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 2 HUD-approved agencies with an office in Lake County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Winthrop Harbor or Lake County. The ones below are statewide in Illinois: they work in Winthrop Harbor 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).
The HUD-approved agencies closest to the center of Winthrop Harbor, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
CP
Community Partners for Affordable Housing
800 S Milwaukee Ave Ste 201, Libertyville · 16 miles away · Spanish
No legal help resource on our list is for Winthrop Harbor or Lake 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 Winthrop Harbor and all of Lake 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 Winthrop Harbor?
The typical home value in Winthrop Harbor is $250,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lake County it is $345,700.
How much does it cost to rent in Winthrop Harbor?
Typical rent in Winthrop Harbor is $1,313 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lake County is $2,011.
What is the FHA loan limit in Winthrop Harbor?
Winthrop Harbor uses the FHA limit for all of Lake 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 Winthrop Harbor?
The typical homeowner in Winthrop Harbor pays $7,419 a year, according to the U.S. Census Bureau. That is 2.96% of the home’s value; in Lake County, the rate is 2.58%.
Where can I find free help to buy or rent in Winthrop Harbor?
There are 2 HUD-approved counseling agencies with an office in Lake County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
