ZIP CODE 60625 // CHICAGO-NAPERVILLE-ELGIN, IL-IN-WI // DATA AS OF 2026-09-30
Chicago, IL (60625) Rental Property Cap Rate & Cash Flow Report
Located in Cook County (Chicago, IL), Zip Code 60625 ranks #379 of 500 within this selected sample (24th percentile) with a Zillow ZHVI typical home-value index of $424,607 (+7.4% YoY) and a ZORI observed market rent of $1,969/mo (+6.6% YoY). Requires at least 68.5% down payment at 6.5% interest to reach $0/mo break-even cash flow. This model combines different housing populations; it is not an observed average property return. Costs assume state-average tax, 0.5% annual insurance, 13% reserves and no HOA or management. Figures below follow your edits; this headline describes the original benchmark.
Net Monthly Cash Flow
-$1,301/mo
Annual: -$15,611/yr
Modeled Cap Rate
2.39%
NOI: $10,153/yr
Cash-on-Cash Return
-15.99%
Cash Needed: $97,660
1% Rule Ratio
0.46%
Gross Yield: 5.56%
Break-Even Rent
$3,464/mo
State Tax: 1.95%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 60625 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (IL Avg 1.95%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,147/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$1,123/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (60625)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $358,516 | $1,402/mo | 4.69% |
| 2022 | $363,380 | $1,539/mo | 5.08% |
| 2023 | $377,662 | $1,670/mo | 5.31% |
| 2024 | $384,612 | $1,754/mo | 5.47% |
| 2025 | $395,188 | $1,847/mo | 5.61% |
| 2026 | $424,607 | $1,969/mo | 5.56% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 60402 Berwyn, IL | $313,681 | $1,448/mo | 2.37% | -$967/mo |
| 60657 Chicago, IL | $546,908 | $2,480/mo | 2.28% | -$1,725/mo |
| 60804 Cicero, IL | $278,158 | $1,330/mo | 2.54% | -$817/mo |
| 60638 Chicago, IL | $327,129 | $1,577/mo | 2.58% | -$950/mo |
| 60641 Chicago, IL | $418,327 | $1,820/mo | 2.09% | -$1,386/mo |
| 60614 Chicago, IL | $682,500 | $2,869/mo | 1.94% | -$2,348/mo |