60120 — Kane County, Illinois Market Snapshot
Housing market data for zip code 60120 in Kane County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$303,500
Days to Sell
48
Homes Sold
12
Inventory
23
Sale-to-List
97.8%
New Listings
32
Price/SqFt
$207
Pending Sales
25
Conforming Loan Available
Most homebuyers in 60120 can comfortably use conventional financing. The median home price of $303,500 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
60120's market is balanced with homes taking an average of 48 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 60120 sells for 2.2% below asking price (97.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 60120 can comfortably use conventional financing. The median home price of $303,500 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 60120 are set at the county level.
2026 Loan Limits — Kane 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 60120
To purchase the median home at $303,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,475.
Monthly Payment
$2,475
Income Required
$106,085
Principal & Interest
$1,870/mo
Down Payment (5%)
$15,175
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 60120.
Estimated Monthly Payment
$2,028
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