60644 — Cook County, Illinois Market Snapshot
Housing market data for zip code 60644 in Cook County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$400,000
Days to Sell
101
Homes Sold
26
Inventory
38
Sale-to-List
99.8%
New Listings
36
Price/SqFt
$159
Pending Sales
36
Conforming Loan Available
Most homebuyers in 60644 can comfortably use conventional financing. The median home price of $400,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 101 days on average, 60644 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 60644 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 60644 can comfortably use conventional financing. The median home price of $400,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 60644 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 60644
To purchase the median home at $400,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,215.
Monthly Payment
$3,215
Income Required
$137,772
Principal & Interest
$2,465/mo
Down Payment (5%)
$20,000
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 60644.
Estimated Monthly Payment
$2,626
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