60185 — Kane County, Illinois Market Snapshot
Housing market data for zip code 60185 in Kane County, Illinois. Updated monthly with median prices, days on market, and more.
Market Sales Data
59 sales in 2026 (year to date)
Median Sale Price
$438,500
Days to Sell
42
Homes Sold
59
Inventory
54
Sale-to-List
101.9%
New Listings
93
Price/SqFt
$225
Pending Sales
80
Conforming Loan Available
Most homebuyers in 60185 can comfortably use conventional financing. The median home price of $438,500 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
60185's market is balanced with homes taking an average of 42 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 60185 (101.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 60185 can comfortably use conventional financing. The median home price of $438,500 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 60185 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 60185
To purchase the median home at $438,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,510.
Monthly Payment
$3,510
Income Required
$150,414
Principal & Interest
$2,702/mo
Down Payment (5%)
$21,925
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 60185.
Estimated Monthly Payment
$2,864
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