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Monthly Homeowner Costs Without a Mortgage: 25th Percentile Monthly Owner Costs by Ward — Chicago

Map and ranking of Monthly Homeowner Costs Without a Mortgage: 25th Percentile Monthly Owner Costs across Chicago's 50 wards. Highest: Ward 32 ($1,256). Lowest: Ward 21 ($425). Chicago avg: $601. Data: 2020–2024.

All 8 Housing Costs & Affordability tables

Metric

Monthly Homeowner Costs Without a Mortgage: 25th Percentile Monthly Owner Costs · all 50 Chicago wards · 2020–24

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Year

2020–2024 5-year ACS estimate.

Citywide overview

All wards

Chicago citywide · Monthly Homeowner Costs Without a Mortgage: 25th Percentile Monthly Owner Costs $601

Highest ward Ward 32: $1,256

Lowest ward Ward 21: $425

Monthly Homeowner Costs Without a Mortgage: 25th Percentile Monthly Owner Costs

Avg $601

$425$841$1.3k

Highest ward Ward 32

$1,256

Chicago avg

$601

Lowest ward Ward 21

$425

Note: Selected monthly owner costs include real estate taxes; fire, hazard, and flood insurance; electricity, gas, water and sewer; other fuels; and, where applicable, homeowners association or condominium fees. For mobile homes, they also include site rent, personal-property taxes, registration, and license fees. Mortgage and other property-backed debt payments are excluded. Percentiles are estimated from the Census's cost brackets. If a percentile of monthly owner costs is above a certain amount, the Census Bureau does not release the specific value, so we show “Over” that amount. That cutoff was $700 in 2010–14 ($928 in 2024 dollars). It has been $1,500 since 2015–19, so it is worth less in later releases: $1,840 in 2024 dollars for 2015–19.

Universe: Owner-occupied housing units without a mortgage · Geography: Census Block Group · Source: U.S. Census Bureau, American Community Survey 2020–2024 5-Year Estimates

Ward distribution Hover or click any dot to inspect

Min $425 25th pct $533 Median $633 75th pct $779 Max $1.3k

Ward ranking: Monthly Homeowner Costs Without a Mortgage: 25th Percentile Monthly Owner Costs (2020–24)

Excel

#1	Ward 32	Scott Waguespack	$1,256	+$655
#2	Ward 42	Brendan Reilly	$1,256	+$655
#3	Ward 43	Timmy Knudsen	$1,216	+$615
#4	Ward 2	Brian Hopkins	$1,136	+$536
#5	Ward 44	Bennett R. Lawson	$1,135	+$534
#6	Ward 34	William Conway	$1,004	+$403
#7	Ward 47	Matthew J. Martin	$970	+$370
#8	Ward 4	Lamont J. Robinson	$915	+$314
#9	Ward 3	Pat Dowell	$888	+$287
#10	Ward 1	Daniel La Spata	$858	+$258
#11	Ward 46	Angela Clay	$824	+$223
#12	Ward 35	Anthony Quezada	$822	+$221
#13	Ward 48	Leni Manaa-Hoppenworth	$782	+$181
#14	Ward 39	Samantha Nugent	$770	+$169
#15	Ward 45	James M. Gardiner	$715	+$115
#16	Ward 30	Ruth Cruz	$708	+$107
#17	Ward 33	Rossana Rodriguez Sanchez	$692	+$92
#18	Ward 19	Matthew J. O’Shea	$686	+$86
#19	Ward 31	Felix Cardona, Jr.	$686	+$86
#20	Ward 27	Walter Redmond Burnett	$680	+$79
#21	Ward 38	Nicholas Sposato	$663	+$63
#22	Ward 11	Nicole T. Lee	$663	+$62
#23	Ward 5	Desmon C. Yancy	$647	+$46
#24	Ward 36	Gilbert Villegas	$640	+$40
#25	Ward 41	Anthony Napolitano	$640	+$40
#26	Ward 28	Jason C. Ervin	$626	+$25
#27	Ward 26	Jessica Fuentes	$624	+$24
#28	Ward 13	Marty Quinn	$582	-$19
#29	Ward 40	Andre Vasquez, Jr.	$579	-$22
#30	Ward 25	Byron Sigcho Lopez	$578	-$22
#31	Ward 6	William E. Hall	$577	-$24
#32	Ward 37	Emma Mitts	$572	-$29
#33	Ward 49	Maria E. Hadden	$564	-$37
#34	Ward 24	Monique L. Scott	$561	-$40
#35	Ward 12	Julia M. Ramirez	$547	-$54
#36	Ward 50	Debra Silverstein	$537	-$64
#37	Ward 14	Jeylu B. Gutierrez	$536	-$65
#38	Ward 29	Chris Taliaferro	$532	-$69
#39	Ward 22	Michael D. Rodriguez	$531	-$70
#40	Ward 23	Silvana Tabares	$525	-$76
#41	Ward 18	Derrick G. Curtis	$502	-$99
#42	Ward 16	Stephanie D. Coleman	$502	-$99
#43	Ward 15	Raymond Lopez	$501	-$100
#44	Ward 20	Jeanette B. Taylor	$487	-$113
#45	Ward 8	Michelle Harris	$467	-$134
#46	Ward 9	Anthony Beale	$463	-$137
#47	Ward 7	Gregory Mitchell	$450	-$151
#48	Ward 17	David Moore	$442	-$158
#49	Ward 10	Peter Chico	$440	-$160
#50	Ward 21	Ronnie L. Mosley	$425	-$175

All 381 ward maps

Basic Demographics

• Hispanic Residents
• White Residents
• Black Residents
• Asian Residents
• Other Race/Ethnicity Residents
• Less Than High School
• High School or GED
• Some College
• Bachelor's Degree
• Graduate Degree
• Bachelor's Degree or Higher
• Population
• Total Households
• Population Density
• Veteran (% of civilian adults 18+)
• Veteran Status: Post-9/11 Gulf War Era (% of veterans)
• Veteran Status: Pre-9/11 Gulf War Era Only (% of veterans)
• Veteran Status: Vietnam Era (% of veterans)
• Veteran Status: Korean War (% of veterans)
• Veteran Status: Other / Peacetime Service (% of veterans)

Households & Families

• Average Household Size
• Never-Married Residents
• Married Residents
• Separated Residents
• Divorced Residents
• Widowed Residents
• Married-Couple Households
• Unmarried-Couple Households
• One-Person Households
• Other Household Types
• Children in Married-Couple Households
• Children in Unmarried-Couple Households
• Children in Single-Mother Households
• Children in Single-Father Households

Immigration

• U.S.-Born Residents
• Foreign-Born Residents (% of all residents)
• Foreign-Born Naturalized Citizens (% of all residents)
• Foreign-Born Noncitizens (% of all residents)

Country of Birth

• Mexico (% of all residents)
• China / Hong Kong (% of all residents)
• India (% of all residents)
• Poland (% of all residents)
• Philippines (% of all residents)
• Ecuador (% of all residents)
• Guatemala (% of all residents)
• Nigeria (% of all residents)
• Venezuela (% of all residents)
• Ukraine (% of all residents)
• Colombia (% of all residents)
• Korea (% of all residents)
• Vietnam (% of all residents)
• Pakistan (% of all residents)
• Russia (% of all residents)
• Honduras (% of all residents)
• Peru (% of all residents)
• Bosnia (% of all residents)
• Ghana (% of all residents)
• France (% of all residents)
• Iraq (% of all residents)
• Ethiopia (% of all residents)
• Burma (% of all residents)
• Malaysia (% of all residents)

Language

• Speak Only English at Home
• Speak a Language Other Than English at Home
• Speak Spanish at Home
• Speak French, Haitian, or Cajun at Home
• Speak German or Other West Germanic at Home
• Speak Russian, Polish, or Other Slavic at Home
• Speak Other Indo-European Language at Home
• Speak Korean at Home
• Speak Chinese at Home (incl. Mandarin, Cantonese)
• Speak Vietnamese at Home
• Speak Tagalog at Home (incl. Filipino)
• Speak Other Asian or Pacific Island Language at Home
• Speak Arabic at Home
• Speak Other Languages at Home
• Native English Speaker or Speaks English Very Well
• Combined Speaks English Less Than Very Well (% of residents age 5+)
• Speaks English Well (% of residents age 5+)
• Speaks English Not Well (% of residents age 5+)
• Does Not Speak English (% of residents age 5+)

Household Income

• Average Household Income
• Per Capita Income
• 10th Percentile Household Income
• 25th Percentile Household Income
• Median Household Income
• 75th Percentile Household Income
• 90th Percentile Household Income

Poverty

• Below the Poverty Line
• Below 200% of the Poverty Line
• Below 50% of the Poverty Line

Material Hardship

• Food Insecurity
• Housing Insecurity
• Transportation Barriers
• Threatened Utility Shutoff

Employment

• 25-54 Year Old Employment Status: In the Labor Force
• 25-54 Year Old Employment Status: Employed
• 25-54 Year Old Employment Status: Unemployed
• 25-54 Year Old Employment Status: Unemployment Rate (% of the civilian labor force)
• 25-54 Year Old Employment Status: Not in the Labor Force

Occupation

• Occupation: Management, Business, Science & Arts
• Occupation: Management Occupations
• Occupation: Business & Financial Operations
• Occupation: Computer & Mathematical
• Occupation: Architecture & Engineering
• Occupation: Life, Physical & Social Science
• Occupation: Community & Social Service
• Occupation: Legal Occupations
• Occupation: Education, Training & Library
• Occupation: Arts, Design, Entertainment, Sports & Media
• Occupation: Health Diagnosing & Treating Practitioners
• Occupation: Health Technologists & Technicians
• Occupation: Service
• Occupation: Healthcare Support
• Occupation: Protective Service
• Occupation: Food Preparation & Serving
• Occupation: Building & Grounds Cleaning & Maintenance
• Occupation: Personal Care & Service
• Occupation: Sales & Office
• Occupation: Sales & Related
• Occupation: Office & Administrative Support
• Occupation: Natural Resources, Construction & Maintenance
• Occupation: Farming, Fishing & Forestry
• Occupation: Construction & Extraction
• Occupation: Installation, Maintenance & Repair
• Occupation: Production, Transportation & Material Moving
• Occupation: Production Occupations
• Occupation: Transportation Occupations
• Occupation: Material Moving Occupations

Industry

• Industry: Agriculture, Forestry, Fishing & Mining
• Industry: Agriculture, Forestry, Fishing & Hunting
• Industry: Mining, Quarrying & Oil and Gas Extraction
• Industry: Construction
• Industry: Manufacturing
• Industry: Wholesale Trade
• Industry: Retail Trade
• Industry: Transportation, Warehousing & Utilities
• Industry: Transportation & Warehousing
• Industry: Utilities
• Industry: Information
• Industry: Finance, Insurance & Real Estate
• Industry: Finance & Insurance
• Industry: Real Estate & Rental and Leasing
• Industry: Professional, Scientific & Management Services
• Industry: Professional, Scientific & Technical Services
• Industry: Management of Companies & Enterprises
• Industry: Administrative, Support & Waste Management Services
• Industry: Education, Health Care & Social Assistance
• Industry: Educational Services
• Industry: Health Care & Social Assistance
• Industry: Arts, Entertainment, Recreation & Food Services
• Industry: Arts, Entertainment & Recreation
• Industry: Accommodation & Food Services
• Industry: Other Services
• Industry: Public Administration

Work & Earnings

• Average Earnings of Full-Time, Year-Round Workers
• Private Company Employee
• Self-Employed Workers
• Nonprofit Employees
• Government Employees
• Unpaid Family Worker
• Full-Time, Year-Round
• Part-Time or Part-Year
• Average FT Earnings
• 10th Percentile FT Earnings
• 25th Percentile FT Earnings
• Median FT Earnings
• 75th Percentile FT Earnings
• 90th Percentile FT Earnings
• Average PT Earnings
• 10th Percentile PT Earnings
• 25th Percentile PT Earnings
• Median PT Earnings
• 75th Percentile PT Earnings
• 90th Percentile PT Earnings
• Average Earnings
• 10th Percentile Earnings
• 25th Percentile Earnings
• Median Earnings
• 75th Percentile Earnings
• 90th Percentile Earnings

Economic Mobility

• Adult Outcomes: Household income at age 35
• Adult Outcomes: Household income rank (percentile)
• Adult Outcomes: Share reaching the top 20% of household income
• Adult Outcomes: Individual income at age 35
• Adult Outcomes: Fraction married
• Adult Outcomes: Employment rate
• Adult Outcomes: Incarceration rate
• Lower-Income Families: Household income at age 35
• Lower-Income Families: Household income rank (percentile)
• Lower-Income Families: Share reaching the top 20% of household income
• Lower-Income Families: Individual income at age 35
• Geographic Mobility: Stayed in the greater Chicago area
• Geographic Mobility: Stayed in the same small immediate neighborhood area

Local Jobs and Businesses

• Firm Size: Fewer Than 50 Employees
• All Jobs Located in Ward
• Jobs Held by Residents of the Same Ward
• Jobs Held by Residents of Another Ward
• Employed Residents Working in Their Own Ward
• Employed Residents Working Outside Their Ward

Industry of Local Jobs

• Agriculture, Forestry, Fishing & Mining
• Mining, Quarrying & Oil and Gas Extraction
• Construction
• Manufacturing
• Wholesale Trade
• Retail Trade
• Transportation, Warehousing & Utilities
• Utilities
• Transportation & Warehousing
• Information
• Finance, Insurance & Real Estate
• Finance & Insurance
• Real Estate & Rental and Leasing
• Professional, Scientific & Management Services
• Professional, Scientific & Technical Services
• Management of Companies & Enterprises
• Administrative, Support & Waste Management Services
• Education, Health Care & Social Assistance
• Educational Services
• Health Care & Social Assistance
• Arts, Entertainment, Recreation & Food Services
• Arts, Entertainment & Recreation
• Accommodation & Food Services
• Other Services
• Public Administration

Students

• Enrolled in K-12 (% of all residents)
• Public School (% of K–12 enrollees)
• Private School (% of K–12 enrollees)
• Enrolled in College (% of all residents)
• Public College or University (% of college enrollees)
• Private College or University (% of college enrollees)
• Undergraduate College (% of college enrollees)
• Graduate or Professional School (% of college enrollees)

Owners & Renters

• Owner-Occupied Housing (Households)
• Renter-Occupied Housing (Households)
• Owner-Occupied Housing (Residents)
• Renter-Occupied Housing (Residents)

Overall Housing Costs

• Cost Burdened: Spending 30% or More on Housing
• Severely Cost Burdened: Spending 50% or More on Housing
• Cost Burdened: Spending 30% or More on Housing (Renters)
• Severely Cost Burdened: Spending 50% or More on Housing (Renters)
• Cost Burdened: Spending 30% or More on Housing (Owners)
• Severely Cost Burdened: Spending 50% or More on Housing (Owners)
• Cost Burdened: Spending 30% or More on Housing (Owners with a mortgage)
• Severely Cost Burdened: Spending 50% or More on Housing (Owners with a mortgage)
• Cost Burdened: Spending 30% or More on Housing (Owners without a mortgage)
• Severely Cost Burdened: Spending 50% or More on Housing (Owners without a mortgage)
• 10th Percentile Monthly Housing Costs
• 25th Percentile Monthly Housing Costs
• Median Monthly Housing Costs
• 75th Percentile Monthly Housing Costs
• 90th Percentile Monthly Housing Costs

Renter Housing Costs

• Average Rent + Utilities
• 10th Percentile Rent + Utilities
• 25th Percentile Rent + Utilities
• Median Rent + Utilities
• 75th Percentile Rent + Utilities
• 90th Percentile Rent + Utilities
• Average Rent
• 10th Percentile Rent
• 25th Percentile Rent
• Median Rent
• 75th Percentile Rent
• 90th Percentile Rent

Homeowner Housing Costs

• Average Monthly Owner Costs (With Mortgage)
• 10th Percentile Monthly Owner Costs (With Mortgage)
• 25th Percentile Monthly Owner Costs (With Mortgage)
• Median Monthly Owner Costs (With Mortgage)
• 75th Percentile Monthly Owner Costs (With Mortgage)
• 90th Percentile Monthly Owner Costs (With Mortgage)
• Monthly Homeowner Costs Without a Mortgage: Average Monthly Owner Costs
• Monthly Homeowner Costs Without a Mortgage: 10th Percentile Monthly Owner Costs
• Monthly Homeowner Costs Without a Mortgage: 25th Percentile Monthly Owner Costs
• Monthly Homeowner Costs Without a Mortgage: Median Monthly Owner Costs
• Monthly Homeowner Costs Without a Mortgage: 75th Percentile Monthly Owner Costs
• Monthly Homeowner Costs Without a Mortgage: 90th Percentile Monthly Owner Costs
• Home Values: Average Home Value
• 10th Percentile Home Value
• 25th Percentile Home Value
• Median Home Value
• 75th Percentile Home Value
• 90th Percentile Home Value

Federal Housing Assistance

• All HUD-Subsidized Units (% of housing units)
• Housing Choice Vouchers (% of housing units)
• Public Housing (% of housing units)
• Project-Based Section 8 (% of housing units)
• Other Project-Based Programs (% of housing units)
• Average Household Income
• Average Tenant-Paid Rent
• Average Monthly Government Spending
• Below 30% of Area Median Income
• HUD Recipient Households With Children
• HUD Recipient Households Where the Head or Spouse Has a Disability

Housing Stock

• Overall Vacancy Rate
• Rental Vacancy Rate (% of rental units)
• Owner Vacancy Rate (% of owner units)
• Occupied Housing Units
• Vacant Housing Units
• Median Year Built
• Single-Family Homes
• Buildings With 2–4 Units
• Buildings With 5–19 Units
• Buildings With 20 or More Units
• Overcrowded: More Than 1 Person per Room (% of occupied housing units)
• Natural Gas Heat
• Electric Heat
• Other Heating Source

Mobility

• Median Year Moved In
• Share Moved Within Last Year (% of all residents)
• Moved Last Year: Within Cook County (% of all residents)
• Moved Last Year: From a Different Illinois County (% of all residents)
• Moved Last Year: From a Different State (% of all residents)
• Moved Last Year: From Abroad (% of all residents)

Environment

• Tree Canopy (Area-weighted)
• Impervious Surfaces (Area-weighted)
• Natural Open Surfaces (Area-weighted)
• Homes Without Air Conditioning

Transportation

• Drove Alone to Work
• Carpooled to Work
• Commuted by Public Transit
• Walked to Work
• Biked to Work
• Other Commute Mode
• Average Commute Time
• Average Vehicles per Household
• Households With No Vehicle

Technology Access

• K–12 Students Without a Computer and/or Internet
• College Students Without a Computer and/or Internet
• No Computer or Smartphone
• Smartphone Only, No Desktop or Laptop
• Desktop or Laptop Available
• Has Internet Access
• Cellular Data Plan Only
• Internet Access Without a Paid Subscription
• No Internet Access

Health Insurance & Disability

• Uninsured Residents
• Uninsured Children Under 19 (% of children under 19)
• Uninsured Adults Ages 19–64 (% of adults ages 19–64)
• Uninsured Adults Ages 65 and Older (% of adults 65 and older)
• Insured (Any Coverage)
• Employer-Based Insurance
• Direct-Purchase Insurance
• Health Insurance Coverage Types: Medicare
• Health Insurance Coverage Types: Medicaid
• Military Health Coverage (TRICARE / VA)
• Multiple Types of Insurance, Specific Types Unspecified
• Health Insurance Coverage Types: Uninsured
• Any Disability
• Ambulatory Disability
• Hearing Disability
• Vision Disability
• Cognitive Disability
• Self-Care Disability
• Independent Living Disability

Health

• Incidence of Health Problems: Arthritis
• High Blood Pressure
• Incidence of Health Problems: Cancer
• Incidence of Health Problems: Current Asthma
• Coronary Heart Disease
• COPD (Chronic Obstructive Pulmonary Disease)
• Incidence of Health Problems: Diabetes
• Incidence of Health Problems: High Cholesterol
• Incidence of Health Problems: Obesity
• Incidence of Health Problems: Stroke
• Lost All Natural Teeth
• Binge Drinking in Past 30 Days
• Current Cigarette Smoking
• No Leisure-Time Physical Activity
• Short Sleep Duration
• Fair or Poor Self-Reported Health
• Frequent Physical Distress
• Taking Medication for High Blood Pressure
• Routine Checkup in Past Year
• Cholesterol Check in Past 5 Years
• Up to Date on Colorectal Cancer Screening
• Dental Visit in Past Year
• Mammogram in Past 2 Years
• Medical Provider-Diagnosed Depression
• Frequent Mental Distress
• Lack of Social/Emotional Support
• Loneliness