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Market MapIllinoisMcHenry

McHenry County

IllinoisPopulation: 311,133
71
/100
Buy
#120 of 1,000 counties
#60 in Illinois (102 counties)

Market Snapshot

$349,331
Median Home Price
28% above national median
$2,114/mo
Median Rent
41% above national median
7.26%
Rent-to-Price Ratio
Top 17% nationally
-$458
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$349,331
Down Payment (20%)$69,866
Loan Amount$279,465
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,114
Monthly P&I-$1,831
Est. Expenses (35%)-$740
Net Cash Flow-$458/mo
4.7%
Cap Rate (all cash)
-6.8%
Cash-on-Cash Return
7.26%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 4.7% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
71/100
71
Cash Flow(30%)
73/100

Based on 7.26% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
84/100

Based on 4.5% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
78/100

Price-to-income ratio of 3.5x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Above-average rent-to-price ratio (7.26%)
  • +Affordable relative to local incomes
  • +Complete rent data available

Challenges

  • -Negative cash flow at typical financing (-$458/mo)
  • -Negative leverage (cap rate 4.7% < mortgage rate 6.9%)

Economic Indicators

Population
311,133
Median Income
$100,101
vs $62,400 national est.
Unemployment Rate
—
Data pending
Price-to-Income
3.5x
Moderately affordable

Compare to Nearby Counties

CountyVerdict
MadisonIL
72$187,237$1,0957.02%BuyView
CurrentMcHenryIL
71$349,331$2,1147.26%Buy
ChampaignIL
71$226,633$1,3957.38%BuyView
JacksonIL
71$121,998$6896.77%BuyView
CookIL
70$314,517$2,1138.06%BuyView
KendallIL
70$380,573$2,3077.27%BuyView

The Bottom Line

BuyMcHenry offers solid investment potential with good cash flow or appreciation prospects.

McHenry County in Illinois scores 71/100, ranking #120 of 1,000 US counties (top 12%). The 7.26% rent-to-price ratio indicates moderate cash flow potential. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-458/mo
Cap Rate
4.7%
Cash-on-Cash
-6.8%

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