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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

Hawthorn Woods, IL Housing Affordability Index

Hawthorn Woods, Illinois has an MBR Housing Affordability Index score of 110.2 (More Affordable Than Average) as of October 30, 2026, ranking 1027th most affordable of 1,249 scored Illinois cities, compared with 102.2 statewide and 97.4 nationally. On a median-priced $619,100 home with 20% down, the Illinois average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $3,400, or 19% of the city’s $219,631 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Hawthorn Woods 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.

Hawthorn Woods MBR-HAI 110.2 More Affordable Than Average
Rank in Illinois 1,027 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 $619,100 U.S. Census Bureau

Hawthorn Woods is 8.0 points above the Illinois score. Scores as of October 30, 2026. See the Illinois index

View Hawthorn Woods Mortgage Rates

What It Takes to Buy in Hawthorn Woods

$3,400/mo
Principal & Interest
Median home, 20% down, 7.31%
$145,700
Income Needed
To keep the payment at 28% of income
$219,631
Median Household Income
Illinois: $83,390
2.8x
Price-to-Income Ratio
Illinois: 3.2x
$3,527/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,987/yr
Median Property Tax
Illinois figure
24.4%
Owner Cost Burden
Owners spending 30%+ of income on housing
45.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Hawthorn Woods Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Hawthorn Woods, Illinois score: 110.2 (More Affordable Than Average), ranked 1,027 of 1,249 Illinois cities. monitorbankrates.com/housing-affordability-index/illinois/hawthorn-woods”