Crystal Lake Real Estate
Source: Zillow / Redfin / McHenry County Assessor estimates · Updated 2026-05
Crystal Lake, IL Housing Market Snapshot
If you are researching homes for sale in Crystal Lake, Illinois, this page is built for buyers who want to compare affordability, taxes, neighborhood pricing, and day-to-day livability before making an offer.
For a full area view, compare this with local school data, demographics, and the living here guide.
$285,000
Median Home Value
$299,900
Median List Price
32
Avg Days on Market
142
Active Listings
$292,000
Median Sold Price
$178
Median Price per Sq Ft
Median Sold Price — 12 Month Trend
Property Types
How Competitive Is the Crystal Lake Market?
99.1%
Sale-to-List Ratio
31%
Sold Above List
14%
Price Drops
1.9
Months of Supply
1.8
Foreclosures per 10k Homes
Neighborhoods
| Neighborhood | Median Price | Trend |
|---|---|---|
| Downtown Crystal Lake | $265,000 | → Stable |
| Crystal Lake South | $310,000 | ↑ Up |
| Coventry/Lake in the Hills Border | $275,000 | ↑ Up |
| Prairie Ridge Area | $340,000 | ↑ Up |
| Lakewood/Turnberry | $385,000 | → Stable |
Estimated Monthly Payment Scenarios for Buyers
Assumptions: 6.5% mortgage rate, 2.67% property tax rate, and about $1,450/year insurance.
| Home Price | Down Payment | Est. Monthly Payment | Est. Cash to Close |
|---|---|---|---|
| $275,000 | 20% | $2,235 | $63,250 |
| $325,000 | 15% | $2,820 | $57,750 |
| $400,000 | 10% | $3,645 | $54,000 |
Estimates assume 30-year fixed financing and are directional only. Actual payments vary by credit profile, lender fees, HOA dues, and insurance coverage.
Mortgage and Affordability Calculator
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Tip: change home price, down payment, and income first to quickly compare scenarios.
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This calculator is for planning only and does not replace lender pre-approval.
Commuting from Crystal Lake
Source: Google Maps typical weekday estimates
Chicago Union Station
Metra UP-NW from Crystal Lake
96 min
Schaumburg / Woodfield employment corridor
35 min drive
O'Hare International Airport
48 min drive
Downtown Chicago (Loop)
72 min drive
School District Snapshot for Buyers
Source: Illinois Report Card summaries and district published data
Crystal Lake Elementary District 47
Grades PK-8 · Approx enrollment 7,600
Dual language options, broad extracurricular participation
Community High School District 155
Grades 9-12 · Approx enrollment 5,400
AP and career-tech pathways, strong graduation outcomes
Quality-of-Life Factors Home Buyers Compare
Parks, Recreation, and Outdoor Access
- 40 neighborhood parks and recreation sites
- Veteran Acres and nearby county preserves
- Three Oaks Recreation Area and Crystal Lake beaches
Downtown and Daily Convenience
- Metra station walkability: Strong
- High concentration near downtown core
- Farmers market, seasonal festivals, community events
Property Taxes
Source: McHenry County Assessor / SmartAsset estimates · Tax Year 2024
2.67%
Effective Tax Rate
$7,610
Median Annual Tax
$95,000
Median Assessed Value
33.33%
Assessment Ratio
Where Your Tax Dollars Go
Estimated Annual Tax by Home Value
Tax Bill Breakdown by District
| Taxing District | % of Bill | Est. Amount (Median Home) |
|---|---|---|
| School Districts (D47/D155) | 62.0% | $4,718 |
| McHenry County | 8.5% | $647 |
| City of Crystal Lake | 7.8% | $594 |
| Crystal Lake Park District | 5.2% | $396 |
| McHenry County College | 4.8% | $365 |
| Crystal Lake Library | 3.1% | $236 |
| Other (township, fire, misc) | 8.6% | $654 |
McHenry County has one of the higher effective property tax rates in Illinois. Rates vary by township and taxing district.
Crystal Lake Home Buyer FAQ
Is Crystal Lake a buyer's or seller's market right now?
With about 1.9 months of supply and roughly one-third of homes still selling above list, Crystal Lake continues to lean seller-favorable, especially for updated single-family homes.
How much are property taxes on a typical Crystal Lake home?
At an estimated 2.67% effective rate, annual taxes can be material to monthly carrying costs. Many buyers model taxes as carefully as principal and interest when setting a budget.
What price range is most active for home buyers in Crystal Lake?
Move-in-ready homes in the mid-$200k to mid-$300k range generally attract the most competition. Homes priced and prepared well in that band often move faster than townwide averages.