Illinois rent research report

Average rent in Illinois:
rent growth must survive the expense budget.

The median of 270 eligible Illinois ZIP rent indices is $1,874 a month; their mean is $1,891. Cook and six other northeastern counties contribute 74.8% of the newest-month sample. Chicago’s apartment rent growth supports the income case; buyer-specific taxes and operating expenses decide the cash margin. Peoria and Rockford need separate local evidence.

By RentalCalcs editorial · Reviewed October 20, 2026
Included observations: September 2026 · All home types and sizes

See the coverage behind the number ↓
Chicago’s lakefront, buildings, river and rail corridors viewed from an elevated observation deck
Chicago, 2017. Carol M. Highsmith / Library of Congress, no known publication restrictions. Existing resized WebP derivative, resampled from a smaller source; no extra detail claimed. Location context, not a rent map or available inventory.

What is the average rent in Illinois?

The tracked ZIP-index mean is $1,891, and the median is $1,874 across 270 eligible ZIPs from 29 source counties. The mean adds the ZIP indices and divides by the number of ZIPs. The median is the middle ZIP value. Neither statistic is the average rent paid by Illinois households.

The underlying Zillow Observed Rent Index (ZORI) measures typical asking rents across home types and sizes. Zillow weights observations within its index; this page then gives every covered ZIP one vote. See the repeat-rent methodology. This extra aggregation is not Zillow’s official Illinois series or a listing-weighted state average.

An apartment or house needs a matched comp set

The shared series cannot separate studios, one-bedroom apartments, larger homes or square-foot prices. It has one current stored observation per ZIP, not a compatible matched history for growth. Use current homes with the same size, type, condition and lease terms before pricing a unit.

Investment research · reviewed October 20, 2026

Chicago’s rent growth supports income, but tax and expense changes decide how much the owner keeps

Chicago’s Q2 apartment occupancy and rent growth are stronger than several nearby large markets. That is a demand argument, not an owner-margin guarantee. Outside Chicagoland, the state rent table is useful for discovery but does not supply the missing local operating evidence.

Underwriting conclusion. Underwrite Chicago with a buyer-specific expense budget, including tax uncertainty, before capitalizing rent growth. Treat Peoria and Rockford as separate diligence cases; do not transfer Chicago’s market growth, vacancy or transaction assumptions to them.

An assumed $1,200 expense increase exceeds the income from Chicago’s observed 3.1% rent growthIllustration · $1,900 starting rent · 95% collection · one apartment · annual USD
+$671$1,900 × 12 × 3.1% × 95%: extra collected rent if the source’s annual change were applied to this assumed unit
−$1,200Assumed extra annual operating costs; a stress, not a predicted tax or insurance increase
−$529Change in NOI before debt and reserves, despite higher rent

The 3.1% is historical provider-market evidence from MMG Q2 2026; applying it to this unit is an assumption, not a forecast. Break-even extra expenses equal $671.46. Debt, reserve contributions and initial capital work are outside this incremental NOI comparison.

The interpretations and conditional actions below are RentalCalcs editorial analysis. Source observations keep their own periods. They do not establish a purchase recommendation, a property’s permitted rent or current leasing results.

Chicago metro

A 3.1% rent increase leaves less protection when operating expenses also rise

MMG’s Q2 2026 report lists 95.4% stabilized apartment occupancy and 3.1% annual rent growth. Trailing completions of 5,600 units exceeded absorption of 3,499. Its construction pipeline was 1.6% of inventory.

High occupancy and positive rent growth support the income case, but they do not prove a particular building’s net income is improving. A tax or insurance increase comes out of revenue before debt service. Paying a premium for future growth can leave a thin cash margin even in a relatively firm leasing market.

Investment action. Compare current collected rent with a buyer expense budget before assigning a growth premium. Obtain the actual PIN, assessment/classification, tax bills and applicable exemptions; an assessment change alone is not a tax-bill forecast. Check neighborhood competitors rather than treating the lean metro pipeline as zero local supply.

What would change the conclusion. A verified low-expense property with durable occupancy may retain more growth. A new local lease-up or a larger tax burden can weaken it. We do not equate the broker’s apartment cohort with small buildings, houses or the City of Chicago boundary.

Records to obtain. PIN-level tax and assessment records, buyer insurance quote, utilities, collections and itemized recurring/capital work.

Peoria and Rockford

Lower ZIP rents do not establish a stronger income yield than Chicago

The shared ZIP table supplies rent-index comparisons, not purchase prices, maintenance budgets or collections. Rockford’s municipal guidance requires rental-property registration. Peoria’s official plans provide housing-needs context, with source years that must be kept separate from the current ZIP indices.

The missing side of a low-rent acquisition is often the cost to preserve legal, habitable income. Fixed work and turnover costs consume a larger share of a smaller rent roll. A low asking price is therefore a hypothesis to investigate, not a verified high-yield result.

Investment action. For a small-building search, pair current executed leases with actual sales and a priced repair plan in the same market. Verify Rockford registration and local inspection requirements. In Peoria, confirm the unit, tenant demand and collections directly rather than importing Chicago’s 3.1% rent-growth figure.

What would change the conclusion. A well-maintained building at a sufficiently low basis can produce a stronger cash return. This edition has no verified matched current apartment operating series for both cities, so it does not rank them or imply their vacancy is low. The buyer must supply the missing evidence before comparing yields.

Records to obtain. Local executed leases/sales, rental registration, inspection and unit count, contractor bids, tax/insurance estimates and rent receivables.

Federal building and courthouse at a Peoria street corner

Peoria is a separate market for local rent and property research. This civic street view supplies location context; it is not a rental comparable or proof of employment demand.

April 2013 · Carol M. Highsmith / Library of Congress · Original photograph · No known publication restrictions. Proportionally resized and converted to WebP; no scene changes. Archival location context.

For the purchase-price side, use the illinois cap-rate research with its own transaction dates and property cohorts. A cap rate from another sample should not be multiplied by this page’s ZIP index to value a property.

How much extra annual expense can Chicago rent growth actually cover?

The comparison below isolates the arithmetic behind the Chicago thesis. The separate editable budget uses invented per-apartment inputs. Its expense line includes property tax, insurance, management, repairs and owner-paid utilities; replace it with a buyer budget. Neither the default nor the stress percentage predicts the next tax bill.

Illustration · one apartment · first 12 months · USD. Editable assumptions, not observed market averages or an acquisition recommendation. All recurring amounts are allocated per apartment. No appreciation, sale proceeds or tax benefits are assumed.

Actual lawful face rent; no automatic ZIP-index adoption.
Economic rent loss over the year, before incentives.
First-year equivalent; not added again to vacancy.
Include taxes, insurance, management, repairs and owner-paid utilities.
Allocated principal and interest; excluded from NOI.
Cash set aside below NOI; initial work requires separate cash.

Annual cash after operating costs, debt and reserve contribution

$1,660

This is a positive illustration margin, before initial capital work, income tax and sale costs.

Follow the rent into owner cashDerived from your inputs · dollars per apartment per year
Scheduled rent
$22,800
− Vacancy / noncollection
-$1,140
− Occupied-share concession
-$0
= Effective rental income
$21,660
− Operating expenses
-$9,000
= NOI before debt / reserves
$12,660
− Debt service
-$10,000
− Reserve contribution
-$1,000
= Annual cash margin
$1,660

NOI excludes debt service and this worksheet’s reserve contribution. Initial renovation, acquisition costs and initial downtime are outside this annual operating illustration. Do not subtract the same vacancy, incentive or repair expense twice.

At what occupancy does the cost budget stop working?Annual cash margin; concession, rent, debt and reserves stay as entered

On a narrow screen, scroll the table sideways to compare all three expense budgets.

Collected occupancyEntered expensesExpenses +10%Expenses +20%
95%$1,660Cash remaining$760Cash remaining-$140Cash deficit
90%$520Cash remaining-$380Cash deficit-$1,280Cash deficit
85%-$620Cash deficit-$1,520Cash deficit-$2,420Cash deficit

Occupancy here is the collected share of scheduled rent before incentives, not a count of occupied doors. At the entered costs, break-even collected occupancy is 87.7%. Debt-service coverage is 1.27× NOI / debt service; it excludes reserve contributions.

Do not bid up the property on gross rent growth until the resulting cash margin remains acceptable with a defensible tax and expense downside. An assessment appeal is not a guaranteed saving. A refinancing or exit valuation based on NOI needs its own financing and sale-cost assumptions.

Use the full property cash-flow calculator for the purchase price, financing terms and holding period. Review its expense and reserve conventions before transferring assumptions; this illustration does not automatically populate a deal.

Northeastern Illinois dominates the covered ZIP sample

The seven full northeastern counties contain 202 of 270 same-month ZIPs, with a pooled median of $2,072. The 68 tracked ZIPs in other Illinois counties have a median of $1,206. This is a comparison of covered samples. It does not estimate what the state would cost without Chicago, or tell you how many Illinois households pay each rent.

Illinois covered-ZIP distribution and rents, equal ZIP weighting, newest common month
Source-county groupZIPs / shareZIP median / monthZIP mean / month
Cook County121 / 44.8%$1,951$2,032
Other six northeastern counties81 / 30.0%$2,196$2,223
Other Illinois counties68 / 25.2%$1,206$1,243

Scroll horizontally for all columns. Rounded shares may not sum to exactly 100%.

Chicago postal labels, Cook County and seven-county coverage

  • This comparison: Cook, DuPage, Kane, Kendall, Lake, McHenry and Will, using full source counties. Kendall is included. Cook County contains more than Chicago’s postal-city group.
  • CMAP’s planning area: the official CMAP description also includes township portions in Grundy and DeKalb. This ZIP/county dataset cannot isolate those township boundaries, so those counties stay in “Other Illinois counties” here.
  • Regional transit: NITA describes a six-county region, which includes Cook and excludes Kendall. A county label alone does not establish a usable transit route, fare or service frequency for a home.

Compare the Illinois county sets that fit your search

Cook, its northeastern neighbors and the rest of Illinois are broad starting points. The local cuts below separate Rockford, central Illinois and the Illinois sides of the St. Louis and Quad Cities areas. They are selected whole-county comparisons, not official metro boundaries or a complete set of Illinois regions.

September 2026 · equal ZIP weighting · first four rows are a selected preview, not a ranking. Scroll sideways for all columns.

Selected Illinois county sets, equal ZIP weights, September 2026
Area and source countiesZIP median / monthZIP mean / monthZIPs
Cook CountyCook$1,951$2,032121
Six northeastern counties outside CookDuPage, Kane, Kendall, Lake, McHenry, Will$2,196$2,22381
Rockford comparisonWinnebago, Boone$1,330$1,35610
Peoria comparisonPeoria, Tazewell, Woodford$1,150$1,1299
View six more county comparisons
Selected Illinois county sets, equal ZIP weights, September 2026
Area and source countiesZIP median / monthZIP mean / monthZIPs
Bloomington–Normal · McLean CountyMcLean$1,394$1,3083
Champaign CountyChampaign$1,291$1,3607
Springfield · Sangamon CountySangamon$1,200$1,3954
Decatur · Macon CountyMacon$1,037$1,0573
Metro East · two Illinois countiesMadison, Saint Clair$1,237$1,28112
Quad Cities · Rock Island County onlyRock Island$1,000$1,0073

Metro East here means Madison and Saint Clair counties; Missouri is outside the sample. Rock Island County is only part of the Quad Cities, with Iowa excluded. Missing counties or a small ZIP count should prompt more local comp research rather than a statewide substitute.

The McLean and Champaign county ZIP medians are $1,394 and $1,291. Those all-size county samples cannot price a particular campus-area bedroom, furnished lease or academic-year tenancy. Match the dates and lease length, and calculate all months you must pay.

Pooled medians are calculated from individual ZIPs, never by averaging county medians. Comparison rows use 270 eligible ZIPs sharing the newest included month; 0 eligible observations fall outside that month. Dollars are rounded only for display.

Find Chicago, Aurora and other Illinois city groups

City groups follow postal-city labels rather than municipal boundaries. A Chicago city lookup is narrower than Cook County; an Aurora or Naperville postal label does not by itself identify a single county. Keep the city page for its local ZIP spread, then check the actual home’s location.

12 matching cities. Preview ordered by tracked ZIP count, then name; not by affordability. Scroll the table sideways for all columns.

Illinois postal-city groups, included observations, equal ZIP weighting
Postal cityZIP median / monthZIP mean / monthZIPsObservation months
Chicago$1,899$2,04054September 2026
Rockford$1,199$1,2477September 2026
Aurora$2,266$2,2025September 2026
Peoria$1,166$1,1845September 2026
Naperville$2,292$2,3704September 2026
Belleville$1,229$1,1753September 2026
Champaign$1,536$1,5413September 2026
Decatur$1,037$1,0573September 2026
View remaining 4 cities
Illinois postal-city groups, included observations, equal ZIP weighting
Postal cityZIP median / monthZIP mean / monthZIPsObservation months
Elgin$1,730$1,8823September 2026
Oak Park$1,952$1,9353September 2026
Schaumburg$2,140$2,1863September 2026
Springfield$1,207$1,4793September 2026

Source: shared eligible ZORI ZIP indices. Only cities meeting the existing three-ZIP threshold get a page. Coverage order is not an affordability or investment ranking.

Search Illinois ZIP rent benchmarks

Use a ZIP or postal city, then narrow by county. Each row carries its own observation month. An absent ZIP is missing data, not zero rent or evidence of no available homes. Expand the table to inspect the complete eligible sample.

Newest included observation: September 2026. Historical retained ZIPs are excluded from current estimates after a validated refresh.

270 matching ZIPs, ordered by ZIP. Preview shows up to six. Scroll the table sideways for all columns.

Illinois ZIP benchmarks with source geography and individual dates
ZIPPostal cityCountyMonthly indexObservation
60002AntiochLake County$2,011September 2026
60004Arlington HeightsCook County$2,098September 2026
60005Arlington HeightsCook County$1,895September 2026
60007Elk Grove VillageCook County$1,833September 2026
60008Rolling MeadowsCook County$2,101September 2026
60010BarringtonLake County$3,125September 2026
View remaining 264 ZIP benchmarks
Illinois ZIP benchmarks with source geography and individual dates
ZIPPostal cityCountyMonthly indexObservation
60013CaryMcHenry County$2,583September 2026
60014Crystal LakeMcHenry County$1,963September 2026
60015DeerfieldLake County$2,812September 2026
60016Des PlainesCook County$2,079September 2026
60020Fox LakeLake County$1,600September 2026
60025GlenviewCook County$2,746September 2026
60030GrayslakeLake County$2,299September 2026
60031GurneeLake County$1,956September 2026
60035Highland ParkLake County$3,147September 2026
60044Lake BluffLake County$2,058September 2026
60045Lake ForestLake County$3,952September 2026
60046LindenhurstLake County$2,258September 2026
60047KildeerLake County$3,191September 2026
60048LibertyvilleLake County$2,185September 2026
60050McHenryMcHenry County$1,851September 2026
60051LakemoorMcHenry County$1,974September 2026
60053Morton GroveCook County$2,532September 2026
60056Mount ProspectCook County$1,832September 2026
60060MundeleinLake County$2,358September 2026
60061Vernon HillsLake County$2,587September 2026
60062NorthbrookCook County$2,687September 2026
60064North ChicagoLake County$1,823September 2026
60067PalatineCook County$1,815September 2026
60068Park RidgeCook County$2,404September 2026
60070Prospect HeightsCook County$1,712September 2026
60071RichmondMcHenry County$1,300September 2026
60073Round LakeLake County$2,494September 2026
60074PalatineCook County$1,945September 2026
60076SkokieCook County$2,113September 2026
60077SkokieCook County$2,430September 2026
60085WaukeganLake County$1,710September 2026
60087WaukeganLake County$1,592September 2026
60089Buffalo GroveLake County$2,402September 2026
60090WheelingCook County$2,028September 2026
60091WilmetteCook County$3,794September 2026
60098WoodstockMcHenry County$1,474September 2026
60099ZionLake County$1,422September 2026
60101AddisonDuPage County$1,844September 2026
60102AlgonquinMcHenry County$2,370September 2026
60106BensenvilleDuPage County$1,871September 2026
60107StreamwoodCook County$2,471September 2026
60108BloomingdaleDuPage County$2,286September 2026
60110CarpentersvilleKane County$2,297September 2026
60115DekalbDeKalb County$1,320September 2026
60118West DundeeKane County$2,419September 2026
60120ElginCook County$1,730September 2026
60123ElginKane County$1,598September 2026
60124ElginKane County$2,319September 2026
60126ElmhurstDuPage County$2,453September 2026
60130Forest ParkCook County$1,532September 2026
60133Hanover ParkDuPage County$2,419September 2026
60134GenevaKane County$2,002September 2026
60137Glen EllynDuPage County$2,162September 2026
60139Glendale HeightsDuPage County$1,926September 2026
60140HampshireKane County$2,407September 2026
60143ItascaDuPage County$2,196September 2026
60148LombardDuPage County$2,094September 2026
60153MaywoodCook County$1,419September 2026
60155BroadviewCook County$1,325September 2026
60156Lake in the HillsMcHenry County$2,184September 2026
60160Melrose ParkCook County$1,441September 2026
60169Hoffman EstatesCook County$2,013September 2026
60171River GroveCook County$1,932September 2026
60172RoselleDuPage County$2,190September 2026
60173SchaumburgCook County$2,140September 2026
60174Saint CharlesKane County$1,952September 2026
60177South ElginKane County$2,392September 2026
60178SycamoreDeKalb County$1,811September 2026
60181Villa ParkDuPage County$2,057September 2026
60187WheatonDuPage County$2,269September 2026
60188Carol StreamDuPage County$1,845September 2026
60189WheatonDuPage County$2,506September 2026
60193SchaumburgCook County$2,051September 2026
60194SchaumburgCook County$2,367September 2026
60195Hoffman EstatesCook County$1,788September 2026
60201EvanstonCook County$2,762September 2026
60202EvanstonCook County$1,966September 2026
60301Oak ParkCook County$2,315September 2026
60302Oak ParkCook County$1,952September 2026
60304Oak ParkCook County$1,539September 2026
60305River ForestCook County$2,200September 2026
60402BerwynCook County$1,448September 2026
60403Crest HillWill County$2,010September 2026
60406Blue IslandCook County$1,421September 2026
60409Calumet CityCook County$1,536September 2026
60411Chicago HeightsCook County$1,694September 2026
60415Chicago RidgeCook County$1,544September 2026
60416Coal CityGrundy County$1,350September 2026
60419DoltonCook County$2,343September 2026
60425GlenwoodCook County$2,034September 2026
60429Hazel CrestCook County$2,613September 2026
60430HomewoodCook County$1,969September 2026
60431JolietWill County$2,700September 2026
60435JolietWill County$1,526September 2026
60436RockdaleWill County$2,098September 2026
60438LansingCook County$1,637September 2026
60439LemontCook County$2,231September 2026
60440BolingbrookWill County$2,673September 2026
60441LockportWill County$2,192September 2026
60443MattesonCook County$2,192September 2026
60445MidlothianCook County$1,544September 2026
60446RomeovilleWill County$2,073September 2026
60450MorrisGrundy County$1,574September 2026
60452Oak ForestCook County$2,140September 2026
60453Oak LawnCook County$1,717September 2026
60466Park ForestCook County$1,857September 2026
60471Richton ParkCook County$1,651September 2026
60477Tinley ParkCook County$2,070September 2026
60478Country Club HillsCook County$3,125September 2026
60480Willow SpringsCook County$2,423September 2026
60482WorthCook County$1,515September 2026
60487Tinley ParkCook County$3,196September 2026
60502AuroraDuPage County$2,468September 2026
60503AuroraWill County$2,661September 2026
60504AuroraDuPage County$2,266September 2026
60505AuroraKane County$1,619September 2026
60506AuroraKane County$1,997September 2026
60513BrookfieldCook County$2,086September 2026
60514Clarendon HillsDuPage County$2,515September 2026
60515Downers GroveDuPage County$2,433September 2026
60516Downers GroveDuPage County$1,941September 2026
60517WoodridgeDuPage County$1,636September 2026
60525La GrangeCook County$2,202September 2026
60527WillowbrookDuPage County$2,096September 2026
60532LisleDuPage County$1,919September 2026
60538MontgomeryKendall County$2,391September 2026
60540NapervilleDuPage County$2,272September 2026
60542North AuroraKane County$2,442September 2026
60543OswegoKendall County$2,447September 2026
60544PlainfieldWill County$2,595September 2026
60555WarrenvilleDuPage County$2,257September 2026
60559WestmontDuPage County$1,871September 2026
60560YorkvilleKendall County$2,058September 2026
60561DarienDuPage County$2,388September 2026
60563NapervilleDuPage County$2,095September 2026
60564NapervilleWill County$2,801September 2026
60565NapervilleDuPage County$2,312September 2026
60586PlainfieldWill County$3,147September 2026
60601ChicagoCook County$3,042September 2026
60602ChicagoCook County$2,438September 2026
60603ChicagoCook County$2,382September 2026
60605ChicagoCook County$2,756September 2026
60606ChicagoCook County$2,794September 2026
60607ChicagoCook County$2,975September 2026
60608ChicagoCook County$1,914September 2026
60609ChicagoCook County$1,642September 2026
60610ChicagoCook County$2,905September 2026
60611ChicagoCook County$2,956September 2026
60612ChicagoCook County$2,328September 2026
60613ChicagoCook County$2,257September 2026
60614ChicagoCook County$2,869September 2026
60615ChicagoCook County$1,855September 2026
60616ChicagoCook County$1,857September 2026
60617ChicagoCook County$1,497September 2026
60618ChicagoCook County$2,240September 2026
60619ChicagoCook County$1,335September 2026
60620ChicagoCook County$1,305September 2026
60621ChicagoCook County$1,625September 2026
60622ChicagoCook County$2,534September 2026
60623ChicagoCook County$1,581September 2026
60624ChicagoCook County$1,662September 2026
60625ChicagoCook County$1,969September 2026
60626ChicagoCook County$1,720September 2026
60628ChicagoCook County$1,725September 2026
60629ChicagoCook County$1,404September 2026
60630ChicagoCook County$1,877September 2026
60631ChicagoCook County$1,807September 2026
60632ChicagoCook County$1,551September 2026
60633ChicagoCook County$1,688September 2026
60634ChicagoCook County$1,951September 2026
60636ChicagoCook County$1,447September 2026
60637ChicagoCook County$1,757September 2026
60638ChicagoCook County$1,577September 2026
60639ChicagoCook County$1,740September 2026
60640ChicagoCook County$1,983September 2026
60641ChicagoCook County$1,820September 2026
60642ChicagoCook County$2,712September 2026
60643ChicagoCook County$2,118September 2026
60644ChicagoCook County$1,312September 2026
60645ChicagoCook County$1,897September 2026
60646ChicagoCook County$1,908September 2026
60647ChicagoCook County$2,335September 2026
60649ChicagoCook County$1,281September 2026
60651ChicagoCook County$1,751September 2026
60652ChicagoCook County$2,553September 2026
60653ChicagoCook County$2,272September 2026
60654ChicagoCook County$2,879September 2026
60656ChicagoCook County$1,611September 2026
60657ChicagoCook County$2,480September 2026
60659ChicagoCook County$1,752September 2026
60660ChicagoCook County$1,900September 2026
60661ChicagoCook County$2,607September 2026
60706Harwood HeightsCook County$2,078September 2026
60707Elmwood ParkCook County$1,734September 2026
60712LincolnwoodCook County$2,561September 2026
60714NilesCook County$2,274September 2026
60803AlsipCook County$1,535September 2026
60804CiceroCook County$1,330September 2026
60805Evergreen ParkCook County$1,744September 2026
60827RiverdaleCook County$1,290September 2026
60901KankakeeKankakee County$1,204September 2026
60914BourbonnaisKankakee County$1,381September 2026
60915BradleyKankakee County$1,500September 2026
60950MantenoKankakee County$1,380September 2026
61021DixonLee County$1,113September 2026
61032FreeportStephenson County$926September 2026
61073RoscoeWinnebago County$1,646September 2026
61101RockfordWinnebago County$1,192September 2026
61103RockfordWinnebago County$1,221September 2026
61104RockfordWinnebago County$1,112September 2026
61107RockfordWinnebago County$1,438September 2026
61108RockfordWinnebago County$1,489September 2026
61109RockfordWinnebago County$1,199September 2026
61111Loves ParkWinnebago County$1,579September 2026
61114RockfordWinnebago County$1,075September 2026
61115Machesney ParkWinnebago County$1,610September 2026
61201Rock IslandRock Island County$932September 2026
61244East MolineRock Island County$1,000September 2026
61265MolineRock Island County$1,090September 2026
61350OttawaLa Salle County$1,258September 2026
61554PekinTazewell County$901September 2026
61571WashingtonTazewell County$1,269September 2026
61603PeoriaPeoria County$1,166September 2026
61604PeoriaPeoria County$1,084September 2026
61605PeoriaPeoria County$856September 2026
61611East PeoriaTazewell County$923September 2026
61614PeoriaPeoria County$1,218September 2026
61615PeoriaPeoria County$1,598September 2026
61616Peoria HeightsPeoria County$1,150September 2026
61701BloomingtonMcLean County$1,078September 2026
61704BloomingtonMcLean County$1,453September 2026
61761NormalMcLean County$1,394September 2026
61801UrbanaChampaign County$1,291September 2026
61802UrbanaChampaign County$1,274September 2026
61820ChampaignChampaign County$1,264September 2026
61821ChampaignChampaign County$1,536September 2026
61822ChampaignChampaign County$1,822September 2026
61832DanvilleVermilion County$887September 2026
61866RantoulChampaign County$921September 2026
61874SavoyChampaign County$1,409September 2026
61920CharlestonColes County$762September 2026
62002AltonMadison County$1,004September 2026
62025EdwardsvilleMadison County$1,588September 2026
62034Glen CarbonMadison County$1,425September 2026
62040Granite CityMadison County$1,162September 2026
62095Wood RiverMadison County$1,156September 2026
62206Cahokia HeightsSaint Clair County$1,370September 2026
62208Fairview HeightsSaint Clair County$1,314September 2026
62220BellevilleSaint Clair County$1,052September 2026
62221BellevilleSaint Clair County$1,229September 2026
62226BellevilleSaint Clair County$1,244September 2026
62234CollinsvilleMadison County$1,161September 2026
62269O FallonSaint Clair County$1,661September 2026
62301QuincyAdams County$1,008September 2026
62521DecaturMacon County$1,139September 2026
62522DecaturMacon County$1,037September 2026
62526DecaturMacon County$994September 2026
62702SpringfieldSangamon County$1,207September 2026
62703SpringfieldSangamon County$1,192September 2026
62704Leland GroveSangamon County$1,143September 2026
62711SpringfieldSangamon County$2,039September 2026
62864Mount VernonJefferson County$992September 2026
62901CarbondaleJackson County$636September 2026
62959MarionWilliamson County$1,113September 2026

For bedroom-specific gross-rent references, open the HUD rent lookup. FMR/SAFMR references, adopted payment standards and approved unit rents are different measures from asking-rent ZORI. No demand, vacancy or achievable rent is inferred from a ZIP index.

When comparing real listings, match bedrooms, floor area, property type, condition, parking, pets, included utilities and the full lease term. A refundable deposit affects cash needed; a nonrefundable fee affects the cost of that lease. Obtain the written amounts and payment dates.

A cheaper monthly trip can still leave the first lease more expensive

For a Chicago-area address comparison, quote the whole route before deciding what rent premium transit access can cover. Include feeder service, the correct Metra zones, station parking and your actual on-site days. Downstate readers can use the same arithmetic with their own local service and driving quotes; the sample does not assume Chicago fares apply statewide.

Use NITA’s fare and payment guide, the CTA fare chart and Pace fare details to check the products covering your trip. Metra fares use zones; different passes and add-ons have different validity. The calculator’s transit amount is a user assumption, not a quoted pass price.

A $150 rent premium has two different crossover points
  1. $1,800Home A recurring monthly cost
  2. 18 daysFirst whole driving-day count where A is cheaper monthly
  3. 22 daysFirst whole day count where A is cheaper over the 12-month term

Illustration: A = $1,700 rent + $100 transit/station costs each month, plus a $400 nonrefundable fee. B = $1,550 rent + $120 fixed trip costs + 30 round-trip miles × driving days × $0.25 running cost per mile, with no fee. A stays at $1,800/month. B changes with driving days. These are hypothetical costs, not observed market rents, fares or an official mileage allowance.

Hypothetical monthly and 12-month costs, including nonrefundable fees
Driving days / monthA monthlyB monthlyA 12-month totalB 12-month total
0$1,800$1,670$22,000$20,040
8$1,800$1,730$22,000$20,760
16$1,800$1,790$22,000$21,480
20$1,800$1,820$22,000$21,840

Scroll sideways for all columns. At 20 driving days, A costs $20 less per month but still $160 more over the first year because of its $400 fee. At eight days, B’s recurring cost is $1,730. A fixed transit budget is not automatically the cheaper choice for a hybrid schedule.

Test the rent premium against your trip

Hypothetical Chicago-area comparison: Home A uses transit, Home B uses a car for the specified trips. These defaults are not local rents, published fares or an official mileage rate. Replace them with complete quotes. Inputs are not saved.

Home A monthly recurring cost
$1,800
Home B monthly recurring cost
$1,790
Home A full-term cost, including fees
$22,000
Home B full-term cost, including fees
$21,480

Home B costs $520 less over 12 months, including the entered fees.

The mathematical monthly-cost crossover is 17.3 driving days per month; including the one-time fee difference over this term, it is 21.8 days. A threshold below zero or above 31 lies outside the entered calendar-day range.

Monthly A = rent + transit/station costs. Monthly B = rent + parking/fixed trip costs + round-trip miles × driving days × running cost per mile. Full-term cost = monthly cost × months + nonrefundable fees. Refundable deposits and moving costs are excluded. Include any different insurance, financing or ownership costs in the fixed-cost fields; a fuel-only estimate is not total vehicle cost. Time, service reliability and future price changes are not priced here.

Travel time, accessibility, reliability and the ability to make the whole trip matter alongside cash. This model does not establish that you can sell a car or avoid all ownership costs. Households can explore renting versus buying; owners can inspect Illinois county market evidence and use verified rent comps in the rental cash-flow calculator.

Read-only freshness audit, October 20, 2026: the shared database’s 270 eligible state ZIPs matched the upstream September 2026 observation month. No upstream ZIP was missing from storage and no matched stored observation lagged the source. Storage also held 57 older June–August observations outside the current sample; 56 stored ZIPs were absent from the downloaded file. These are dated audit counts, not a promise of future coverage. The lookup’s displayed dates and counts follow the shared validated refresh. Quarterly apartment research elsewhere on this page uses its own named sources, periods and cohorts.

Source dates, coverage and limitations

Current eligible observations cover these months:

  • September 2026: 270 ZIPs.

0 included observations have unknown dates. The table follows the shared monthly rent publication; historical retained rows are kept separately and excluded from current estimates. The comparison sections use only the newest common month. County-unspecified ZIPs, if any, remain separately labeled rather than assigned to a region.

Coverage is selective. ZIPs are not equally populated, county assignment is not an address boundary match, and neither the seven-county cut nor the local comparisons represent every home in those areas. Positive extremes are retained rather than silently trimmed. No bedroom rent, square-foot price, growth, future return or tenant demand is supplied by this dataset.

Sources: Zillow source data and ZORI methodology. Geography and transport sources are cited beside their uses. The coverage graphic uses shared observations; the trip diagram and worksheet use labeled hypothetical inputs. Photo credit and source appear with the image.

Content and usability reviewed : Illinois market theses, primary-source research, investor income stress, body photography and retained city/ZIP lookup. Automated data updates do not advance this editorial date. About RentalCalcs · Report a data issue.