60099 — Lake County, Illinois Market Snapshot
Housing market data for zip code 60099 in Lake County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
78 sales in 2026 (year to date)
Median Sale Price
$262,500
Days to Sell
51
Homes Sold
78
Inventory
73
Sale-to-List
100.4%
New Listings
91
Price/SqFt
$179
Pending Sales
92
Conforming Loan Available
Most homebuyers in 60099 can comfortably use conventional financing. The median home price of $262,500 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
60099's market is balanced with homes taking an average of 51 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 60099 (100.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 60099 can comfortably use conventional financing. The median home price of $262,500 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 60099 are set at the county level.
2026 Loan Limits — Lake 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 60099
To purchase the median home at $262,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,161.
Monthly Payment
$2,161
Income Required
$92,622
Principal & Interest
$1,617/mo
Down Payment (5%)
$13,125
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 60099.
Estimated Monthly Payment
$1,775
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