60013 — McHenry County, Illinois Market Snapshot
Housing market data for zip code 60013 in McHenry County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$340,750
Days to Sell
45
Homes Sold
20
Inventory
22
Sale-to-List
99.9%
New Listings
31
Price/SqFt
$205
Pending Sales
30
Conforming Loan Available
Most homebuyers in 60013 can comfortably use conventional financing. The median home price of $340,750 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
60013's market is balanced with homes taking an average of 45 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 60013 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 60013 can comfortably use conventional financing. The median home price of $340,750 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 60013 are set at the county level.
2026 Loan Limits — McHenry 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 60013
To purchase the median home at $340,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,761.
Monthly Payment
$2,761
Income Required
$118,316
Principal & Interest
$2,100/mo
Down Payment (5%)
$17,038
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 60013.
Estimated Monthly Payment
$2,259
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