The median home in Lake Bluff, Illinois is valued at $601,943, up 9.4% year over year. Typical monthly rent is $1,861, producing a price-to-rent ratio of 27x — well above the national average of 18x. Lake Bluff 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$601,943

+9.4%

Rent$1,861/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$120,389 on $601,943

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

Out of reach69% of income

Need $184,800/yr to afford.

PITI$4,312

P/I69%

Afford$244K

Gap-$358K

P&I $3,044Tax $1,119Ins $150

Renting $2,451/mo cheaper ($1,861 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 Lake Bluff 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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Lake Bluff, IL