The median home in Crystal Lake, Illinois is valued at $363,436, up 4.6% year over year. Typical monthly rent is $2,256, producing a price-to-rent ratio of 13.4x — below the national average of 18x. Crystal Lake is part of the Chicago-Naperville-Elgin, IL-IN-WI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$363,436

+4.6%

Rent$2,256/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$72,687 on $363,436

Example: $75,000 household income. Change it above to see your own.

Out of reach42.6% of income

Need $114,129/yr to afford.

PITI$2,663

P/I42.6%

Afford$239K

Gap-$125K

P&I $1,838Tax $675Ins $150

Renting $407/mo cheaper ($2,256 rent)6.50% 30yr, 20% down, county tax + IL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Illinois

Compare Crystal Lake with other housing markets across Illinois.

Kenilworth$1.93M Winnetka$1.73M Glencoe$1.51M Bannockburn$1.22M Golf$1.19M Hinsdale$1.18M Lake Forest$1.14M South Barrington$1.08M

Full Chicago-Naperville-Elgin, IL-IN-WI analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Chicago-Naperville-Elgin, IL-IN-WI metro.

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Crystal Lake, IL