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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Crystal Lake, IL Housing Affordability Index

Crystal Lake, Illinois has an MBR Housing Affordability Index score of 106.9 (Near National Average) as of October 30, 2026, ranking 1063rd most affordable of 1,249 scored Illinois cities, compared with 102.2 statewide and 97.4 nationally. On a median-priced $311,400 home with 20% down, the Illinois average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $1,710, or 19% of the city’s $108,418 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Crystal Lake is updated every night from live Illinois mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Crystal Lake MBR-HAI 106.9 Near National Average
Rank in Illinois 1,063 of 1,249 1 = most affordable
Illinois 102.2 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.31% Illinois lenders
Median home value $311,400 U.S. Census Bureau

Crystal Lake is 4.7 points above the Illinois score. Scores as of October 30, 2026. See the Illinois index

View Crystal Lake Mortgage Rates

What It Takes to Buy in Crystal Lake

$1,710/mo
Principal & Interest
Median home, 20% down, 7.31%
$73,300
Income Needed
To keep the payment at 28% of income
$108,418
Median Household Income
Illinois: $83,390
2.9x
Price-to-Income Ratio
Illinois: 3.2x
$1,800/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$7,992/yr
Median Property Tax
2.57% of median value
21.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
50.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Crystal Lake, Illinois. The rate is the Illinois average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Crystal Lake Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Crystal Lake, Illinois score: 106.9 (Near National Average), ranked 1,063 of 1,249 Illinois cities. monitorbankrates.com/housing-affordability-index/illinois/crystal-lake”