60612 — Cook County, Illinois Market Snapshot
Housing market data for zip code 60612 in Cook County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$1,095,000
Days to Sell
60
Homes Sold
24
Inventory
16
Sale-to-List
98.7%
New Listings
23
Price/SqFt
$403
Pending Sales
25
Jumbo Loan Likely Needed
The median home in 60612 at $1,095,000 exceeds the 2026 conforming loan limit of $832,750 by $262,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 60 days on average, 60612 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 60612 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 60612 at $1,095,000 exceeds the 2026 conforming loan limit of $832,750 by $262,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 60612 are set at the county level.
2026 Loan Limits — Cook County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 60612
To purchase the median home at $1,095,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,540.
Monthly Payment
$8,540
Income Required
$365,980
Principal & Interest
$6,747/mo
Down Payment (5%)
$54,750
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 60612.
Estimated Monthly Payment
$6,927
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 60612.
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