Chicago market pulse
Real public data for Chicago's ZIP codes, updated as the agencies publish.
Metro prices
+5.8%
in 1 year · Chicago metro · 2025 Q2–2026 Q2
Past change, not a forecast.
Data table
| Quarter | Index | Change since 2025 Q2 |
|---|---|---|
| 2025 Q2 | 338.2 | — |
| 2025 Q3 | 341.0 | +0.8% |
| 2025 Q4 | 339.0 | +0.2% |
| 2026 Q1 | 348.7 | +3.1% |
| 2026 Q2 | 357.8 | +5.8% |
Each index has its own base, so compare its changes, not its level.
Details
FHFA's purchase-only index for Chicago-Naperville-Schaumburg, IL: repeat sales of the same houses, from mortgages Fannie Mae and Freddie Mac purchased or securitized. It isn't seasonally adjusted, so each span starts in the quarter it ends.
+41%
in 5 years · Chicago metro · 2021 Q2–2026 Q2
Past change, not a forecast.
Data table
| Quarter | Index | Change since 2021 Q2 |
|---|---|---|
| 2021 Q2 | 253.7 | — |
| 2021 Q3 | 258.0 | +1.7% |
| 2021 Q4 | 259.5 | +2.3% |
| 2022 Q1 | 270.1 | +6.5% |
| 2022 Q2 | 282.4 | +11% |
| 2022 Q3 | 277.8 | +9.5% |
| 2022 Q4 | 273.6 | +7.8% |
| 2023 Q1 | 276.0 | +8.8% |
| 2023 Q2 | 294.5 | +16% |
| 2023 Q3 | 297.9 | +17% |
| 2023 Q4 | 295.4 | +16% |
| 2024 Q1 | 304.3 | +20% |
| 2024 Q2 | 317.1 | +25% |
| 2024 Q3 | 319.1 | +26% |
| 2024 Q4 | 318.1 | +25% |
| 2025 Q1 | 325.0 | +28% |
| 2025 Q2 | 338.2 | +33% |
| 2025 Q3 | 341.0 | +34% |
| 2025 Q4 | 339.0 | +34% |
| 2026 Q1 | 348.7 | +37% |
| 2026 Q2 | 357.8 | +41% |
Each index has its own base, so compare its changes, not its level.
Details
FHFA's purchase-only index for Chicago-Naperville-Schaumburg, IL: repeat sales of the same houses, from mortgages Fannie Mae and Freddie Mac purchased or securitized. It isn't seasonally adjusted, so each span starts in the quarter it ends.
+82%
in 10 years · Chicago metro · 2016 Q2–2026 Q2
Past change, not a forecast.
Data table
| Quarter | Index | Change since 2016 Q2 |
|---|---|---|
| 2016 Q2 | 196.7 | — |
| 2016 Q3 | 199.1 | +1.2% |
| 2016 Q4 | 196.6 | -0.1% |
| 2017 Q1 | 198.4 | +0.9% |
| 2017 Q2 | 206.0 | +4.7% |
| 2017 Q3 | 206.7 | +5.1% |
| 2017 Q4 | 203.1 | +3.3% |
| 2018 Q1 | 206.2 | +4.8% |
| 2018 Q2 | 214.2 | +8.9% |
| 2018 Q3 | 213.4 | +8.5% |
| 2018 Q4 | 208.1 | +5.8% |
| 2019 Q1 | 210.9 | +7.2% |
| 2019 Q2 | 218.8 | +11% |
| 2019 Q3 | 217.6 | +11% |
| 2019 Q4 | 215.1 | +9.4% |
| 2020 Q1 | 218.6 | +11% |
| 2020 Q2 | 224.0 | +14% |
| 2020 Q3 | 229.9 | +17% |
| 2020 Q4 | 234.2 | +19% |
| 2021 Q1 | 240.7 | +22% |
| 2021 Q2 | 253.7 | +29% |
| 2021 Q3 | 258.0 | +31% |
| 2021 Q4 | 259.5 | +32% |
| 2022 Q1 | 270.1 | +37% |
| 2022 Q2 | 282.4 | +44% |
| 2022 Q3 | 277.8 | +41% |
| 2022 Q4 | 273.6 | +39% |
| 2023 Q1 | 276.0 | +40% |
| 2023 Q2 | 294.5 | +50% |
| 2023 Q3 | 297.9 | +51% |
| 2023 Q4 | 295.4 | +50% |
| 2024 Q1 | 304.3 | +55% |
| 2024 Q2 | 317.1 | +61% |
| 2024 Q3 | 319.1 | +62% |
| 2024 Q4 | 318.1 | +62% |
| 2025 Q1 | 325.0 | +65% |
| 2025 Q2 | 338.2 | +72% |
| 2025 Q3 | 341.0 | +73% |
| 2025 Q4 | 339.0 | +72% |
| 2026 Q1 | 348.7 | +77% |
| 2026 Q2 | 357.8 | +82% |
Each index has its own base, so compare its changes, not its level.
Details
FHFA's purchase-only index for Chicago-Naperville-Schaumburg, IL: repeat sales of the same houses, from mortgages Fannie Mae and Freddie Mac purchased or securitized. It isn't seasonally adjusted, so each span starts in the quarter it ends.
ZIP by ZIP
+66%
The median ZIP's house price index, 2015–2025. 46 ZIPs, from +36% to +172%.
One-year ZIP changes are noisy: of last year's top-3 ZIPs in our 50 cities, 1 in 15 was top 3 again. Past change, not a forecast.
About these figures
FHFA's experimental ZIP house price index: houses with Fannie Mae or Freddie Mac loans, from sales and refinance appraisals. Condos, co-ops and multi-unit buildings aren't in it. 49 of Chicago's 57 ZIPs have an index; FHFA publishes one only where enough sales exist. A ZIP whose index stops before the latest year shows the year it ends instead of changes. Each index has its own base, so compare a ZIP's changes, not its level.
Rent or buy here
EstimateMonthly housing payment (est.): 20% down · 30-year fixed at 7.03% (Freddie Mac average) · 360 monthly loan payments of $2,295 · APR not calculated (it depends on the lender's fees) · includes principal and interest, property tax, home insurance and any HOA dues, plus mortgage insurance below 20% down.7.03% is Freddie Mac's average 30-year fixed rate for the week of Sep 24, 2026, for buyers with 20% down and excellent credit. It isn't an offer or an APR.Source: Freddie Mac Primary Mortgage Market Survey · Sep 24, 2026 (opens in a new tab)$437
a month more to own a typical sample home than HUD's rent for its size, ZIP 60634
- Own: 3-bedroom sample house, $429,900Sample: fictional home, for the demo.
- EstimateMonthly housing payment (est.): 20% down · 30-year fixed at 7.03% (Freddie Mac average) · 360 monthly loan payments of $2,295 · APR not calculated (it depends on the lender's fees) · includes principal and interest, property tax, home insurance and any HOA dues, plus mortgage insurance below 20% down.7.03% is Freddie Mac's average 30-year fixed rate for the week of Sep 24, 2026, for buyers with 20% down and excellent credit. It isn't an offer or an APR.Source: Freddie Mac Primary Mortgage Market Survey · Sep 24, 2026 (opens in a new tab)$2,917 a monthNot included: upkeep, utilities, flood insurance, special assessments.
- Rent: HUD fair market rent, 3 bedrooms
- $2,480 a monthHUD Small Area Fair Market Rent, FY2027: a 40th-percentile rent for a standard home, utilities included. Not an asking rent.
Lending
6.75%
Median rate, 30-year fixed conventional · 11,907 loans · 2025
2025 home-purchase loans (first liens) on owner-occupied 1–4 unit homes in Chicago's census tracts: 17,220 loans. Loans that closed, not offers: a rate depends on your credit, down payment, points and the day you lock it.
- Middle half of rates
- 6.49% to 6.99%
- Loan costs at closing
- $6,687 medianMiddle half $6,066 to $7,788: origination charges (points included) and settlement services, Closing Disclosure section D · 13,988 loans
- Loan limits, 2026
- $832,750 conformingAbove it, a jumbo loan with its own rates and rules; FHA limit $541,287 (one-unit home, Cook County). Limits set by FHFA and HUD.
More lending figures
- Borrowed, every loan on the home combined
- 86.8% of the value (median)Middle half 80% to 95%. 55.1% of buyers borrowed more than 80% of the value, 39.4% more than 90%, 22.7% more than 95%. HMDA's combined loan-to-value counts every loan on the home (second loans, down-payment-assistance loans, financed FHA or VA fees) against the value the lender used, so it doesn't show the cash buyers put down · 16,580 loans
- Loan types
- Conventional 85% · FHA 12.1%VA 2.9% · USDA 0%
- Discount points
- 34.1% of loans paid pointsMedian paid: $1,511. Points buy a lower rate.
For comparison: 7.03% is Freddie Mac's average 30-year fixed rate for the week of Sep 24, 2026, for buyers with 20% down and excellent credit. It isn't an offer or an APR.
Flood and insurance
$2,068 a year
Median of 51 Chicago ZIPs' average homeowners premiums, 2022. Premiums have risen since; get quotes for your address.
- Federal flood insurance
- 772 policies in force · 777 claims since 2000FEMA National Flood Insurance Program, summed over 57 ZIPs (policies in force Jun 30, 2026; claims since 2000). Private flood policies aren't counted.
- Policies insurers didn't renew
- 0.9% in the median ZIPU.S. Treasury Federal Insurance Office, 2022.
Most homeowners policies exclude flood, so flood insurance is a separate policy. Source: FEMA FloodSmart: What is my flood risk?, retrieved 2026-10-09 (opens in a new tab) Check an address on FEMA's flood map (opens in a new tab)
County hazard ratings (FEMA)
Natural hazards, compared with other U.S. counties
- Cook County, IL: expected yearly losses rated very high for inland flooding, heat wave, tornado, winter weather; expected yearly losses rated relatively high for earthquake, hail.
Other ratings for Cook County, IL
- WildfireVery Low
- HurricaneVery Low
- Coastal floodingRelatively Low
- DuPage County, IL: expected yearly losses rated very high for tornado; expected yearly losses rated relatively high for inland flooding, winter weather.
Other ratings for DuPage County, IL
- EarthquakeRelatively Moderate
- WildfireVery Low
- HurricaneVery Low
- Heat waveRelatively Moderate
- HailRelatively Low
FEMA National Risk Index December 2025: Expected Annual Loss rating of each hazard, by county (NRI December 2025): expected annual losses to buildings, people and agriculture; FEMA's social-vulnerability adjustments aren't included. This describes each county, not one home. Check an address on FEMA's flood map; in a high-risk flood zone, a federally backed loan requires flood insurance.
What's new in Chicago
Rail openings, zoning changes and big projects from primary sources, newest first. News, not a price forecast.
- Zoning change
Chicago makes its expanded ADU framework permanent
Multi-unit and certain commercial districts have broader ADU permissions. Single-family RS districts still require an ADU-Allowed RS Area; check the official map and pathway-specific conditions.
Chicago Department of Housing, ADU eligibility (opens in a new tab) - Rail opened
Damen Green Line station opens
The new infill station at Damen and Lake restores a rail access point between Ashland and California. It is separate from Damen stations on other CTA lines.
City of Chicago, Damen Green Line station opening (opens in a new tab)
Rules in Illinois
From state law, standard contract forms and local custom. Research, not legal advice.
- ClosingRule
- A title company runs the closing and holds the money. After the seller accepts, 5 business days of attorney review: either side's attorney may disapprove the contract or propose changes.
- Seller's disclosureRule
- Residential Real Property Disclosure Report (765 ILCS 77/35) You may cancel within 5 business days in some cases: the report is delivered after the contract is signed and discloses a material defect.
- Closing taxesRule
- Illinois real estate transfer tax: 0.1% of the price · seller paysCook County real estate transfer tax: 0.05% of the price · seller paysChicago real property transfer tax (city portion): 0.75% of the price · buyer paysChicago transfer tax (CTA portion): 0.3% of the price · seller pays
How buying works in Illinois
- Who runs the closing
- A title company runs the closing and holds the money. Typical time from contract to keys: about 45 days.
- The contract
- Your signed offer becomes a binding contract once the seller accepts it.
Details
Multi-Board Residential Real Estate Contract 8.0 (Chicago area)
- Buyer agreement
- Exclusive buyer brokerage agreement, signed before touring.
Details
Exclusive brokerage agreements must be written (225 ILCS 454/15-75); NAR's 2024 rule requires one before touring.
Source: 225 ILCS 454 art. 15 (15-75 exclusive brokerage agreements in writing) (2024 statutes)
- Attorney review
- 5 business days after acceptance: either side's attorney may disapprove the contract or propose changes.
Details
Either side's attorney may approve, disapprove (not only over price) or propose changes except the price; if no agreement 10 business days after acceptance, either party may terminate (8.0 ¶13). Buyer and seller attorneys are customary.
- Inspection
- About 5 business days for inspections.
Details
Notice of major defects within 5 business days after acceptance, alongside attorney review; if there is no written agreement on them 10 business days after acceptance, either party may terminate and the earnest money is refunded (8.0 ¶15(b)).
- Earnest money
- 3–10% of the price, due within 2 business days, held by: Escrowee named in the contract (listing brokerage or title company).
Details
Initial deposit within the business days written in (sample 2); a second deposit often follows attorney review. Typical % is a sample.
- Seller's disclosure
- Residential Real Property Disclosure Report (765 ILCS 77/35) You may cancel within 5 business days in some cases: the report is delivered after the contract is signed and discloses a material defect.
Details
Written termination returns all earnest money (765 ILCS 77/40, raised from 3 to 5 business days in 2022). Radon and lead disclosures are separate.
Source: 765 ILCS 77 Residential Real Property Disclosure Act (§40 as amended by HB 4322, 2022) (2025 statutes)
- Loan and appraisal
- Loan contingency: until 5 business days before closing (set in the contract).
Details
8.0 ¶8: loan approval due 45 days after acceptance or 5 business days before closing, whichever is earlier. A low appraisal is an exit only with the Multi-Board Appraisal Addendum.
- Title insurance
- The seller customarily pays for the owner's policy.
Details
8.0 ¶17: the seller furnishes a commitment for an owner's policy with extended coverage.
- Property tax for a new owner
- Your property tax follows the county's assessed market value. About 1.5% of the price a year is our planning figure for Chicago; your bill can differ.
Details
Cook County reassesses on a three-year cycle at 10% of market value times the state equalizer, less the $10,000 homeowner exemption; bills are paid a year in arrears, so the seller credits the buyer at closing.
Census ACS 2020–2024 median tax ÷ median value in Chicago (1.48%). Cook County reassesses Chicago every three years (last for tax year 2024) and a sale doesn't reset the assessment; bills are paid a year in arrears. Owner-reported values lag the market; treat as an estimate.
- Agent credits to the buyer
- Illinois allows an agent to credit part of their pay to the buyer, with the lender's approval.
Details
Illinois expressly lets licensees offer rebates to consumers (225 ILCS 454/10-15(d)), subject to RESPA and the lender.
Source: 225 ILCS 454/10-15(d): licensees may offer rebates to consumers (2025 statutes)
Closing taxes
| Tax | Customarily paid by | Rate |
|---|---|---|
| Illinois real estate transfer tax | Seller | 0.1% of the priceCook County Clerk: transfer fees (Illinois $0.50 per $500; Cook County $0.25 per $500) |
| Cook County real estate transfer tax | Seller | 0.05% of the priceCook County Clerk: transfer fees (county $0.25 per $500) |
| Chicago real property transfer tax (city portion) | Buyer | 0.75% of the priceCity of Chicago: real property transfer tax (buyer $3.75 per $500; CTA portion $1.50 per $500 paid by the seller) |
| Chicago transfer tax (CTA portion) | Seller | 0.3% of the priceCity of Chicago: real property transfer tax (buyer $3.75 per $500; CTA portion $1.50 per $500 paid by the seller) |
Sources (11)
- Multi-Board Residential Real Estate Contract 8.0 · 8.0 (2025) (opens in a new tab)
- 765 ILCS 77 Residential Real Property Disclosure Act (§40 as amended by HB 4322, 2022) · 2025 statutes (opens in a new tab)
- 225 ILCS 454/10-15(d): licensees may offer rebates to consumers · 2025 statutes (opens in a new tab)
- 225 ILCS 454 art. 15 (15-75 exclusive brokerage agreements in writing) · 2024 statutes (opens in a new tab)
- Cook County Clerk: transfer fees (Illinois $0.50 per $500; Cook County $0.25 per $500) · retrieved 2026-09-27 (opens in a new tab)
- Census ACS 2020–2024 5-year, city: median real estate taxes paid (B25103) ÷ median home value (B25077) · ACS 2020–2024 (opens in a new tab)
- Cook County Clerk: transfer fees (county $0.25 per $500) · retrieved 2026-09-27 (opens in a new tab)
- City of Chicago: real property transfer tax (buyer $3.75 per $500; CTA portion $1.50 per $500 paid by the seller) · retrieved 2026-09-27 (opens in a new tab)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (Tables 4–5; Homiy cites a few derived state figures) · 2023 data, published July 2026 (opens in a new tab)
- Census CHARS 2025: average contract price per sq ft of new contractor-built houses (excludes lot), by region · 2025 (opens in a new tab)
- FHFA 2026 conforming loan limits, county file · 2026 (opens in a new tab)
Programs and deadlines
Official pages for Chicago, the same for every buyer. Each program decides who qualifies.
- Down-payment help
- IHDAccess (Access Forgivable, Deferred and Repayable) (opens in a new tab) (Illinois Housing Development Authority (IHDA))Down payment and closing cost help with an IHDA mortgage: Access Forgivable offers 4% of the price up to $6,000, forgiven monthly over 10 years; Access Deferred up to $7,500; Access Repayable up to $10,000. Income and price limits apply.Official page, checked 2026-09-28.Illinois's housing finance agency runs it; the program decides who qualifies and for how much.
- Down-payment help in Chicago
- HomeGrown Purchase Assistance (opens in a new tab) (City of Chicago Department of Housing)Grant assistance for down payments and closing costs for eligible homebuyers; applications go through the program's authorized administrators.Official page, checked 2026-09-28.
- Homestead exemption
- Property Tax Exemptions (opens in a new tab) (Cook County Assessor's Office)The Homeowner Exemption lowers the taxable value of a home its owner lives in as a principal residence; new homeowners apply online, and it renews automatically after that.Deadline: the Assessor's yearly filing period (this year's has closed; late filings go through a Certificate of Error)Official page, checked 2026-09-28.
- If you disagree with your assessment
- Overview of How Appeals Work (opens in a new tab) (Cook County Assessor's Office)If the characteristics on your assessment notice are wrong, or its estimated market value is well above what your home could sell for, you should file an appeal.When: the last date to file is printed on your assessment noticeOfficial page, checked 2026-09-28.
- After you buy: alerts on your deed
- Property Fraud Alert (opens in a new tab) (Cook County Clerk)A free alert by phone or email any time a document is recorded against your property.Official page, checked 2026-09-28.
Sample homes in Chicago, each with its estimated monthly cost and the things to check. Found one somewhere else? Check it here.
Sources (35)
- FHFA House Price Index, five-digit ZIP codes, annual (developmental, all-transactions) · 2000–2025 (updated 2026-03-31) (opens in a new tab)
- FHFA House Price Index, purchase-only, not seasonally adjusted, quarterly: Chicago-Naperville-Schaumburg, IL (MSAD) (metropolitan division 16984) · 2000 Q1–2026 Q2 (opens in a new tab)
- U.S. Census Bureau, American Community Survey 5-year estimates (ZCTA), with 90% margins of error: population, median household income, median home value, median gross rent, median real estate taxes paid, median monthly owner costs with a mortgage, owner-occupied share and units, owner homes in buildings with 5+ units, median year built · ACS 2020–2024 (opens in a new tab)
- U.S. Census Bureau, American Community Survey 5-year estimates (ZCTA): population and its margin of error, for the 5-year change and its significance test · ACS 2015–2019 (opens in a new tab)
- FHFA House Price Index, five-digit ZIP codes, annual (developmental, all-transactions) · 2025 (updated 2026-03-31) (opens in a new tab)
- U.S. Census Bureau, 2020 ZCTA to place relationship file, 2025 Gazetteer and cartographic boundaries (city ZIPs, centers, bounds) · 2020 ZCTAs; 2025 place boundaries (opens in a new tab)
- U.S. Census Bureau, Population Estimates, Vintage 2025 (metropolitan and micropolitan areas) · July 2020 → July 2025 (opens in a new tab)
- U.S. Census Bureau, Building Permits Survey: new privately-owned housing units authorized, by CBSA · Sep 2025–Aug 2026 (opens in a new tab)
- FEMA National Risk Index December 2025: Expected Annual Loss rating of each hazard, by county · NRI December 2025 (opens in a new tab)
- U.S. Department of Housing and Urban Development, Small Area Fair Market Rents by ZIP code, FY2027 · FY2027 (from Oct 1, 2026) (opens in a new tab)
- FEMA, OpenFEMA API: NFIP Redacted Policies, version 3 (policies in force). This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). · in force Jun 30, 2026; data refreshed 2026-07-27; accessed 2026-09-27 (opens in a new tab)
- FEMA, OpenFEMA API: NFIP Redacted Claims, version 3 (claims since 2000). This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). · data refreshed 2026-08-04; accessed 2026-09-27 (opens in a new tab)
- U.S. Treasury, Federal Insurance Office: Analyses of U.S. Homeowners Insurance Markets, 2018–2022, Supporting Underlying Metrics by ZIP code (premiums per policy, nonrenewal rate) · 2018–2022 (published January 2025) (opens in a new tab)
- FHFA House Price Index, purchase-only, not seasonally adjusted: Chicago-Naperville-Schaumburg, IL (MSAD) (metropolitan division 16984) · 2026 Q2 (opens in a new tab)
- FHFA House Price Index, all-transactions, not seasonally adjusted: Chicago-Naperville-Schaumburg, IL (MSAD) (metropolitan division 16984), calendar-year averages of the quarterly index · 2020–2025 (opens in a new tab)
- U.S. Bureau of Labor Statistics, Current Employment Statistics, total nonfarm, not seasonally adjusted (series SMU17169800000000001) · Aug 2026 (preliminary) (opens in a new tab)
- U.S. Census Bureau, American Community Survey 5-year estimates for the city of Chicago, IL (Census place 1714000): median home value, median household income, median gross rent, with 90% margins of error · ACS 2020–2024 (opens in a new tab)
- FFIEC Home Mortgage Disclosure Act (HMDA) data: 2025 Snapshot National Loan-Level Dataset (data as of June 1, 2026), via the CFPB HMDA Data Browser; Homiy's calculations · 2025 loans; retrieved 2026-09-27 (opens in a new tab)
- U.S. Department of Housing and Urban Development, FHA forward mortgage limits, one-unit limit for Cook County, IL · CY2026 (Mortgagee Letter 2025-23) (opens in a new tab)
- FTA National Transit Database, General Transit Feed Specification Weblinks: the public-domain GTFS feeds agencies must publish · retrieved 2026-09-27 (opens in a new tab)
- Chicago Transit Authority: GTFS schedule · scheduled service 2026-09-27 to 2026-10-24 (opens in a new tab)
- Northern Indiana Commuter Transportation District: GTFS schedule · scheduled service 2026-09-27 to 2026-10-24 (opens in a new tab)
- Northeast Illinois Regional Commuter Railroad Corporation: GTFS schedule · scheduled service 2026-09-27 to 2026-10-24 (opens in a new tab)
- Multi-Board Residential Real Estate Contract 8.0 · 8.0 (2025) (opens in a new tab)
- 765 ILCS 77 Residential Real Property Disclosure Act (§40 as amended by HB 4322, 2022) · 2025 statutes (opens in a new tab)
- 225 ILCS 454/10-15(d): licensees may offer rebates to consumers · 2025 statutes (opens in a new tab)
- 225 ILCS 454 art. 15 (15-75 exclusive brokerage agreements in writing) · 2024 statutes (opens in a new tab)
- Cook County Clerk: transfer fees (Illinois $0.50 per $500; Cook County $0.25 per $500) · retrieved 2026-09-27 (opens in a new tab)
- Census ACS 2020–2024 5-year, city: median real estate taxes paid (B25103) ÷ median home value (B25077) · ACS 2020–2024 (opens in a new tab)
- Cook County Clerk: transfer fees (county $0.25 per $500) · retrieved 2026-09-27 (opens in a new tab)
- City of Chicago: real property transfer tax (buyer $3.75 per $500; CTA portion $1.50 per $500 paid by the seller) · retrieved 2026-09-27 (opens in a new tab)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (Tables 4–5; Homiy cites a few derived state figures) · 2023 data, published July 2026 (opens in a new tab)
- Census CHARS 2025: average contract price per sq ft of new contractor-built houses (excludes lot), by region · 2025 (opens in a new tab)
- FHFA 2026 conforming loan limits, county file · 2026 (opens in a new tab)
- Freddie Mac average (Primary Mortgage Market Survey) · Sep 24, 2026 (opens in a new tab)