Real Estate Investing in Saint Charles, Illinois (60174)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 60174 (Saint Charles, IL)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
No major risk flags on the data we track.
What’s happening in Saint Charles, IL (60174)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 60174 Saint Charles
ZIP 60174 inside Kane County looks affordable on the surface — median value of $443K — but the discount exists for reasons that a careful buyer should understand before committing.
The investment case in 60174 is substantial only for operators who understand what they are buying. A $443K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
Statewide comparisons place 60174 among IL's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
Resident income in 60174 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
Experienced landlords with local relationships tend to find 60174 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Saint Charles:
Property Strategy for 60174
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $316,189 | $2,170 | 4.9% | +9.5% | $158,094 |
| 3BR | $378,742 | $2,790 | 5.3% | +8.3% | $126,247 |
| 4BR | $529,700 | $3,230 | 4.4% | +8.7% | $132,425 |
| 5BR | $692,105 | — | — | +9.5% | $138,421 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 60174 Compare?
| Metric | 60174 | Saint Charles | Illinois |
|---|---|---|---|
| Home Value | $443,188 | $443,188 | $279,761 |
| 5-Year CAGR | 7.4% | 7.4% | 6.6% |
| Avg Rent | $1,925 | $1,925 | - |
| Cap Rate | 3.4% | 3.4% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 60174 (Saint Charles, IL). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $443,188 |
| Monthly Rent | $1,925 |
| Price-to-Rent | 19.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.2% |
| Cap Rate | 3.4% |
| 5-Year IRR | 10.8% |
📈 Home Appreciation
| 1-Year | +8.8% ▲ |
| 3-Year CAGR | +7.4% ▲ |
| 5-Year CAGR | +7.4% ▲ |
| 10-Year CAGR | +5.9% ▲ |
🏠 Rent Trends
| 1-Year | +2.3% ▲ |
| 3-Year CAGR | +3.7% ▲ |
| 5-Year CAGR | +5.8% ▲ |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.4%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 60174
Population: 30,481
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 60174
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Investor Insight: With 1,961 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What does house hacking look like in Saint Charles, IL?
The a challenging house-hack environment in Saint Charles, IL reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.
Are tenants stable in Saint Charles, IL?
Working renters make up the core of the Saint Charles, IL tenant base. The pool is reasonable for investors targeting long-term holds.
What price range are homes in Saint Charles, IL?
Median home price in Saint Charles, IL is near $443K, with a 5-year CAGR of 0.0%. Prices have been steady and supportive of buy-and-hold strategies.
How do experienced investors play Saint Charles, IL?
The best-fit strategy in Saint Charles, IL is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.
Is Saint Charles, IL landlord-friendly?
IL ranks as a landlord-friendly state for landlord-tenant law. Saint Charles generally follows the statewide framework, so landlords face reasonable operating rules.
You know 60174 now. You don’t know where it ranks.
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How 60174 ranks in Chicago-Naperville-Elgin, IL-IN-WI
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