Lowest Mortgage Rate near Me, Chicago, IL 60639


Safety and Crime Rates Overview for ZIP Code 60639

General Safety Information

The ZIP Code 60639 encompasses areas within the city of Chicago, Illinois. The neighborhoods included in this ZIP Code are Belmont Cragin, Hermosa, and portions of the Austin community. As in many urban settings, safety and crime rates can vary block by block.

Overall Crime Statistics

Data sourced from the Chicago Police Department reveals the following statistics for the 60639 area:

  • Overall crime rates in 60639 are higher than the national average but have seen a decline in recent years.
  • Violent crimes, including theft, assault, and robbery, constitute a significant portion of reported incidents.
  • Property crimes such as burglary, larceny, and motor vehicle theft are noticeably prevalent.

Violent Crime Rates

Violent crimes in 60639 include:

  • Homicide: The homicide rate fluctuates yearly, but recent trends indicate a slight decline.
  • Assault: Cases of aggravated assault form a substantial part of the crime reports.
  • Robbery: Robberies, particularly involving firearms, are common but show signs of decreasing.

Property Crime Rates

Regarding property crimes, the following are observed:

  • Burglary: Residential and commercial burglaries remain a concern.
  • Theft: Larceny-theft incidents, including shoplifting and package theft, occur frequently.
  • Motor Vehicle Theft: Car thefts and break-ins are reported regularly in this area.

Police Presence and Community Initiatives

The Chicago Police Department’s 25th District, which serves parts of the 60639 ZIP Code, is proactive in addressing crime through:

  • Increased patrols and community policing efforts.
  • Regular community meetings to foster collaboration and transparency.
  • Implementing technologies like surveillance cameras and gunshot detection systems.

Public Resources and Support

Residents have access to various programs and resources aimed at improving safety, such as:

  • Neighborhood Watch Programs: Encouraging residents to stay vigilant and report suspicious activities.
  • Youth Outreach Programs: Efforts to engage at-risk youth in positive activities to deter involvement in criminal activities.
  • Support Groups: Offering assistance and counseling to victims of crime.

Crime Prevention Tips

To enhance personal and community safety, residents of 60639 can consider the following tips:

  • Install home security systems and adequate lighting around properties.
  • Participate in community programs and stay informed about local crime trends.
  • Report any suspicious activity to the police promptly.


While ZIP Code 60639 faces challenges related to safety and crime, ongoing efforts by law enforcement and community organizations aim to create a safer environment for all residents. Continuous engagement and proactive measures are essential in reducing crime rates and enhancing the quality of life in these neighborhoods.

Proximity to Essential Services for ZIP Code 60639

Healthcare Services

Access to hospitals and clinics: Residents in ZIP Code 60639 have convenient access to various hospitals and clinics, including the AMITA Health Saints Mary and Elizabeth Medical Center and Loretto Hospital which are within a 5 to 10-mile radius.

24/7 emergency services: The area is serviced by several emergency medical clinics such as Immediate MD and Chicago Express Clinic, ensuring round-the-clock healthcare services.

Educational Institutions

Primary and secondary education: The ZIP Code 60639 region hosts numerous reputable schools such as the Barry Elementary School and Marshall Middle School. Additionally, Schurz High School offers secondary education opportunities within close proximity.

Colleges and universities: For higher education, institutions like Triton College and City Colleges of Chicago are easily accessible.

Shopping and Grocery Stores

Local grocery stores: Grocery shopping is convenient with stores like ALDI and Food 4 Less located within short driving distances.

Shopping centers and malls: The area features several shopping centers such as the Brickyard Mall and Harlem Irving Plaza, offering residents a variety of retail options.

Public Transportation

Bus routes: The Chicago Transit Authority (CTA) serves ZIP Code 60639 with multiple bus routes, including routes 65 Grand and 74 Fullerton, providing reliable and frequent service throughout the day.

Rail services: The Metra and CTA Blue Line stations are situated within a reasonable distance, facilitating easy commute to and from other parts of the city.

Parks and Recreational Facilities

Parks: Residents can enjoy green spaces and outdoor activities at nearby parks such as Hanson Park and Riis Park, which offer open areas, sports facilities, and playgrounds.

Recreational centers: The Galewood Park Fieldhouse and Chicago Park District Pulaski Park provide additional options for indoor and outdoor recreational activities.

Financial Services

Banks and ATMs: Numerous financial institutions like Chase Bank and Bank of America have branches and ATMs located within ZIP Code 60639, ensuring residents have easy access to banking services.

Credit unions: Local credit unions such as the Neighborhood Credit Union also offer tailored financial services to community members.

Public Safety and Emergency Services

Police stations: The Chicago Police Department’s 25th District serves the area, ensuring robust law enforcement presence and public safety.

Fire stations: Fire safety is maintained by stations like the Chicago Fire Department Engine 117, equipped to handle emergencies efficiently.

Quality of Local Schools in ZIP Code 60639


The ZIP Code 60639, located in Chicago, Illinois, hosts a diverse array of educational institutions, ranging from public and private elementary schools to high schools and charter schools. This report evaluates the quality of these schools based on various factors such as academic performance, extracurricular offerings, student-teacher ratios, and community reviews.

Public Elementary Schools

Public elementary schools in 60639 are managed by Chicago Public Schools (CPS). Some noteworthy institutions include:

Brentano Math & Science Academy

  • Academic Performance: Brentano has a reputation for strong math and science programs, reflected in standardized test scores above the state average.
  • Extracurricular Activities: Offers robotics, math clubs, and science fairs.
  • Student-Teacher Ratio: Maintains a ratio of 15:1, allowing for personalized attention.

Barry Elementary School

  • Academic Performance: Known for its balanced curriculum, consistently scores well in state assessments.
  • Extracurricular Activities: Provides art classes, music programs, and sports teams.
  • Student-Teacher Ratio: Boasts a ratio of 18:1, facilitating better student engagement.

Public High Schools

High schools in this ZIP Code offer comprehensive programs aimed at preparing students for college and careers.

Kelvyn Park High School

  • Academic Performance: While the school faces challenges, recent initiatives have shown improvements in graduation rates and college readiness.
  • Extracurricular Activities: Features a variety of clubs, sports, and arts programs, including drama and debate teams.
  • Student-Teacher Ratio: Has a slightly higher ratio at 20:1, which is typical for larger high schools.

Private Schools

Several private institutions in 60639 offer alternatives to public education, with a focus on specialized curriculums and smaller class sizes.

St. Hyacinth Basilica School

  • Academic Performance: Renowned for its rigorous academic standards and high student achievement rates.
  • Extracurricular Activities: Emphasizes religious education alongside a variety of clubs and sports teams.
  • Student-Teacher Ratio: Maintains an impressive 12:1 ratio, ensuring individualized attention.

St. John Berchmans School

  • Academic Performance: Consistently performs above average in standardized tests.
  • Extracurricular Activities: Offers extensive arts and athletics programs.
  • Student-Teacher Ratio: Stands at 10:1, providing a close-knit learning environment.

Charter Schools

Charter schools in 60639 offer unique educational approaches and curriculums.

Intrinsic School Belmont Campus

  • Academic Performance: Known for innovative teaching methods that cater to various learning styles, resulting in strong academic outcomes.
  • Extracurricular Activities: Focuses on technology and innovation, offering coding clubs and STEM activities.
  • Student-Teacher Ratio: Maintains a balanced ratio of 16:1 to optimize student learning.

Community Reviews and Parental Feedback

The community within ZIP Code 60639 is proactive in engaging with local schools. Parents and guardians often provide feedback through school meetings, online forums, and social media platforms. Common themes in reviews highlight:

  • Teacher Dedication: Many parents appreciate the dedication and commitment of teachers, often citing their willingness to go above and beyond.
  • Safety and Environment: Schools are generally viewed as safe, with positive remarks about the welcoming and inclusive environments.
  • Academic Rigor: Most schools are praised for their challenging curriculums and efforts to prepare students for further education.

Overall, schools in ZIP Code 60639 are dedicated to providing quality education and encourage active community involvement to foster student success.

Public Transportation Access in ZIP Code 60639


The ZIP Code 60639, located in Chicago, Illinois, boasts a robust public transportation network, crucial for residents and visitors. This report delves into the various public transportation options available, their routes, schedules, and accessibility features essential for commuting in this diverse neighborhood.

CTA Bus Services

Chicago Transit Authority (CTA) operates several bus routes serving ZIP Code 60639, ensuring connectivity to major hubs and neighboring communities.

  • Route 74 (Fullerton): This route runs east-west, connecting riders to key locations such as Fullerton Red, Brown, and Purple Line stations, facilitating a smooth transfer to trains.
  • Route 82 (Kimball-Homan): Serving the north-south corridor, this route links commuters to Belmont Blue Line and Irving Park Metra station.
  • Route 54 (Cicero): Extending from Cicero station (Pink Line) to Jefferson Park (Blue Line), this route is vital for cross-town travel.
  • Route 85 (Central): Connecting the neighborhood to the Central/Lake Green Line station and offering transfer points at several key places including Metra stations and various bus stops.

CTA Rail Services

The CTA’s extensive rail system facilitates rapid and efficient travel within Chicago from ZIP Code 60639.

  • Blue Line: The nearest Blue Line stations, such as Logan Square and Belmont, provide convenient access to downtown and O’Hare International Airport.
  • Green Line: Although slightly farther, residents can access Green Line trains via bus routes, offering service between Harlem/Lake and Ashland/63rd-Cottage Grove.

Metra Rail Services

Metra offers additional rail options for longer commutes or intercity travel.

  • Milwaukee District/West Line: The Healy station is the closest Metra stop, providing access to Union Station and the western suburbs.
  • Union Pacific/Northwest Line: Accessible via nearby stations such as Jefferson Park, facilitating travel to suburbs like Arlington Heights and Harvard.

Divvy Bike Share

Divvy, Chicago’s bike-sharing program, complements the public transportation system by offering a sustainable and flexible commute option.

  • Several Divvy stations are strategically placed within ZIP Code 60639.
  • Riders can conveniently pick up and drop off bikes at any station across the city.
  • Ideal for short trips or as a last-mile solution from public transit stops.

Accessibility Features

Public transportation in ZIP Code 60639 is designed to be accessible to all.

  • CTA buses are equipped with ramps and securement areas for wheelchairs.
  • Many bus stops have shelters and seating, providing comfort while waiting.
  • Rail stations include elevators, tactile edging on platforms, and visual/auditory announcements to aid commuters with disabilities.
  • Metra trains also feature accessible boarding options, ensuring ease of access for all travelers.

Real-Time Tracking and Mobile Apps

Technology enhances the user experience by providing real-time updates and convenience for public transportation users.

  • Apps like CTA Train Tracker and Transit App deliver real-time bus and train arrival times, helping commuters plan their trips efficiently.
  • These applications also offer route planning, service alerts, and fare information, making travel across ZIP Code 60639 seamless.


The public transportation options available in ZIP Code 60639 are comprehensive and well-integrated, offering multiple modes of transit that ensure efficient and accessible travel for all residents and visitors. The robust network of bus and rail services, along with cycling options and technological integrations, caters to diverse commuting needs, enhancing the overall connectivity and mobility within this vibrant neighborhood.

Neighborhood Atmosphere in ZIP Code 60639

Community Overview

ZIP Code 60639 encompasses a vibrant and diverse set of neighborhoods in Chicago, offering a rich cultural tapestry that reflects its broad demographic makeup. Known for its friendly and community-oriented atmosphere, the region is populated by families, young professionals, and long-time residents who contribute to its welcoming environment.

Living Environment

The residential areas in 60639 feature a mix of architectural styles, including classic Chicago bungalows, two-flats, and modern townhouses. Tree-lined streets and well-maintained public spaces enhance the neighborhood’s charm. Residents often engage in community events, block parties, and neighborhood cleanups, fostering a strong sense of belonging and pride among locals.

Recreation and Entertainment

60639 boasts a variety of recreational options suitable for all age groups. Beautiful parks such as Rio de los Santos Park and Kilbourn Park offer green spaces for picnics, sports, and playground activities. The area also features several fitness centers, community theaters, and local festivals that provide ample entertainment opportunities.

Shopping and Dining

The ZIP Code 60639 area offers a diverse shopping and dining scene, with local boutiques, grocery stores, and ethnic markets catering to various preferences. Factor in an array of dining establishments, from family-owned taquerias to modern cafes and gastropubs, this neighborhood promises an eclectic culinary experience.

Public Services and Schools

60639 is served by a network of public and private educational institutions, including elementary schools like Burnham Elementary School and St. Cornelius School. The area is also home to several public libraries, community centers, and healthcare facilities, ensuring residents have access to essential services and amenities.

Transportation and Accessibility

Transportation options in ZIP Code 60639 are abundant. The area is well-connected by multiple Chicago Transit Authority (CTA) bus routes and is in proximity to major thoroughfares such as North Avenue and Milwaukee Avenue, making it easy for residents to commute to different parts of the city. For those who prefer biking, numerous bike lanes and trails are available.

Safety and Security

Community safety is a priority in the 60639 area, with active neighborhood watch programs and strong cooperation between residents and local law enforcement agencies. Ongoing initiatives and community-led efforts contribute to maintaining a secure environment for all who live and work in this ZIP Code.

Local Culture and Events

The cultural fabric of 60639 is woven with a variety of events and traditions celebrating its diversity. Annual parades, farmers markets, and street fairs highlight the community’s communal spirit and multicultural heritage. Art galleries, music events, and historical tours also offer residents and visitors alike a glimpse into the area’s rich cultural backdrop.

In conclusion, the neighborhoods within ZIP Code 60639 offer a dynamic and inclusive atmosphere that celebrates community involvement, cultural diversity, and the convenience of urban living. Its blend of residential charm, recreational opportunities, and essential services make it an attractive locality for a wide range of residents.

Real Estate Market Trends in ZIP Code 60639

Overview of ZIP Code 60639

ZIP code 60639 is located in the North Side of Chicago, Illinois, and includes neighborhoods like Belmont Cragin, Hermosa, and parts of Humboldt Park. This area has a diverse mix of residents and offers a blend of residential, commercial, and recreational amenities.

Current Market Conditions

Median Home Prices

The median home price in ZIP code 60639 is currently around $300,000. This reflects a year-over-year increase of approximately 5%. Single-family homes are the predominant property type, but townhouses and condominiums are also available, with the latter showing a growing market presence.

Property Appreciation Rates

Over the past five years, property appreciation rates in the 60639 area have averaged about 4% annually. This steady growth indicates a healthy demand for housing in the area, partly due to its proximity to downtown Chicago and accessible public transportation options.

Types of Properties Available

Single-Family Homes

Single-family homes are the most common property type in ZIP code 60639, ranging from vintage bungalows to modern two-story homes. These properties typically offer spacious yards, making them an attractive option for families.

Condos and Townhouses

The market for condos and townhouses has been growing, particularly in the southern parts of the ZIP code. Condos are a more affordable option, with average prices around $200,000. Townhouses are slightly pricier, averaging around $250,000.

Rental Market

Rental Prices

The average monthly rent for a single-family home in 60639 is about $1,800, while apartments and condos generally range from $1,200 to $1,500. Rent prices have shown a slight upward trend, reflecting the broader market conditions of rising demand.

Rent vs. Buy Analysis

For prospective residents weighing the decision to rent or buy, the current trend in 60639 leans slightly towards buying, particularly for those planning to stay in the area long-term. The consistent appreciation rates make homeownership a potentially lucrative investment.

Demographics and Neighborhood Profile

Population Characteristics

The 60639 ZIP code area is home to a diverse and vibrant community. The population is predominantly Hispanic, but also includes a significant number of African American, Caucasian, and Asian residents. This diversity is reflected in the neighborhood’s cultural offerings and community activities.

Safety and Schools

Safety in the 60639 area has been improving, with community policing and local initiatives playing pivotal roles. The ZIP code is served by several reputable public and private schools, making it a viable option for families seeking quality education for their children.

Future Market Predictions

Development Projects

Several new development projects are underway in the area, including residential and mixed-use buildings. These projects aim to enhance the neighborhood’s infrastructure and appeal, which is likely to drive property values higher in the coming years.

Economic Indicators

With the continued economic growth of Chicago, ZIP code 60639 is expected to see steady demand and value appreciation. Local employment rates and income levels have been rising, further boosting the area’s real estate prospects.

Tips for Buyers and Investors

Buyer Tips

For those looking to purchase a home in 60639, it’s advisable to act sooner rather than later to capitalize on the current appreciation trends. Working with a local real estate agent who understands the nuances of the neighborhood can be highly beneficial.

Investor Insights

Investors might find attractive opportunities in rental properties and fixer-uppers. With the ongoing developments and steady appreciation rates, investing in 60639 could yield solid returns over the long term.


Overall, the real estate market in ZIP code 60639 presents a favorable environment for both homebuyers and investors. The area’s ongoing development, rising property values, and vibrant community make it a location worth considering for real estate opportunities.

Property Taxes in ZIP Code 60639

Overview of Property Taxes in ZIP Code 60639

The property taxes for ZIP code 60639, located in Chicago, Illinois, are a crucial consideration for homeowners and potential buyers. Property taxes in this area are used to fund local services such as public schools, infrastructure, and emergency services.

Current Property Tax Rates

The property tax rates for ZIP code 60639 can vary depending on the property type and its assessed value. As of the most recent assessment, the average effective property tax rate in Chicago is approximately 2.22%. However, specific rates for properties in ZIP code 60639 may differ slightly.

Calculation of Property Taxes

To calculate property taxes in ZIP code 60639, you need to know the property’s assessed value and the applicable tax rate. The formula is:

Property Tax = Assessed Value × Tax Rate

The assessed value is determined by the Cook County Assessor’s Office and is typically a percentage of the property’s market value.

Assessment and Appeal Process

Property assessments in ZIP code 60639 are conducted by the Cook County Assessor’s Office. Property owners receive their assessment notices annually. If you believe your property has been over-assessed, you have the right to appeal through the Cook County Assessor’s Office or the Cook County Board of Review.

Payment Deadlines and Penalties

Property tax bills in ZIP code 60639 are usually issued twice a year – in February and July. Payments are due on the dates specified in the bill. Late payments are subject to penalties and interest, which can significantly increase the total amount due.

Exemptions and Relief Programs

Homeowners in ZIP code 60639 may qualify for various property tax exemptions and relief programs, including:

  • Homeowner Exemption: Reduces the assessed value of your primary residence.
  • Senior Citizen Exemption: Provides additional relief for senior homeowners.
  • Senior Freeze Exemption: Freezes the assessed value for qualifying seniors.
  • Disabled Persons’ Exemption: Offers tax relief for homeowners with disabilities.
  • Veterans Exemption: Provides tax benefits for veterans and their families.

To apply for these exemptions, homeowners must file the necessary forms with the Cook County Assessor’s Office.

Impact on Home Values

Property taxes can impact home values in ZIP code 60639. Higher property taxes often lead to higher costs of homeownership, which can affect demand and potentially lower property values. Conversely, well-funded schools and public services supported by property taxes can enhance the attractiveness of the area, positively influencing property values.

Future Trends and Projections

Looking ahead, property tax rates and amounts in ZIP code 60639 may be influenced by changes in local government budgets, property values, and economic conditions. It’s essential for homeowners to stay informed about local tax policies and upcoming assessments.

Resources for Property Tax Information

For more detailed information on property taxes in ZIP code 60639, homeowners can visit the following resources:

Community Amenities in ZIP Code 60639

Public Parks and Recreation

Residents of ZIP Code 60639 enjoy a variety of public parks offering recreational facilities for all ages. Some prominent parks include:

  • Kelvyn Park: Features athletic fields, playgrounds, and an indoor community center.
  • Hermosa Park: Offers a spray pool, playground, and basketball courts for community use.
  • Hanson Park: Known for its walking trails, open fields, and dedicated picnic areas.

Educational Institutions

Educational opportunities in 60639 cater to various age groups, ensuring access to quality education:

  • Kelvyn Park High School: A well-reputed high school providing comprehensive education and extracurricular programs.
  • Nixon Elementary School: Known for its engaging curriculum and strong community involvement.
  • North-Grand High School: Offers a robust advanced placement program and diverse student activities.

Healthcare Facilities

Access to healthcare is a priority in ZIP Code 60639, with several facilities available:

  • Norwegian American Hospital: A major healthcare provider offering a wide range of medical services.
  • Prime Care Community Health: Provides affordable primary care, dental services, and mental health support.
  • Community First Medical Center: Known for its emergency services and specialized care units.

Shopping and Dining

The area is home to a diverse array of shops and restaurants, catering to various tastes and preferences:

  • Brickyard Mall: A popular shopping destination featuring major retail stores and dining options.
  • Eat at O’Brien’s: Renowned local eatery offering a variety of American dishes.
  • Las Tablas Colombian Steakhouse: A favorite for residents seeking authentic Colombian cuisine.
  • Supermercado La Casa Grande: A supermarket known for its vast selection of fresh produce and ethnic groceries.

Transportation Services

Convenient transportation options make commuting in and out of ZIP Code 60639 easy and accessible:

  • CTA Bus Routes: Multiple bus lines serve the area, providing frequent and reliable service.
  • Metra Train Service: Nearby stations offer easy access to downtown Chicago and surrounding suburbs.
  • Car-sharing Services: Availability of car-sharing options like Zipcar enhances mobility.


The Chicago Public Library system serves the 60639 area with several branches providing a range of services:

  • Chicago Public Library – West Belmont Branch: Offers a vast collection of books, digital media, and community programs.
  • Chicago Public Library – North Pulaski Branch: Known for its children’s programs, computer access, and educational workshops.

Community Events and Activities

The community frequently hosts events and activities that foster neighborhood engagement and cultural exploration:

  • Kelvyn Park Community Farmers Market: A seasonal market offering local produce, crafts, and live entertainment.
  • Citywide Community Clean-up Day: An annual event where residents come together to beautify the neighborhood.
  • Neighborhood Festival: A summer festival featuring food, music, and family-friendly activities.

Safety and Public Services

Ensuring the safety of residents is a top priority, with several public services in place:

  • 17th District Police Station: Provides law enforcement services and community outreach programs.
  • Chicago Fire Department Station 91: Offers fire protection, emergency medical services, and fire safety education.
  • 60639 Neighborhood Watch Program: A volunteer-led initiative to promote safety and prevent crime.

These community amenities contribute significantly to the quality of life in ZIP Code 60639, making it a vibrant and desirable place to live.

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