Good news for buyers this issue: the 30-year mortgage rate has slipped back down to 6.27% — a meaningful drop from the 6.85% we saw two weeks ago. Meanwhile, Chicago continues to defy the national slowdown, with our median home price now sitting at $390,000 — up 6.8% year-over-year — while Sun Belt markets like Miami and Austin are actually seeing price declines. This is exactly why I've always believed in Chicago real estate as a long-term wealth builder. Inventory here remains razor-thin at under a month's supply, so if you're thinking about buying or selling this spring, timing matters more than ever. Give me a call and let's put together a plan. — Slawomir, (773) 837-4815
| Metric | Current | vs Last Month / Year |
|---|---|---|
| Median Sale Price | $390,000 | ↑ 6.8% YoY |
| Active Listings (City) | ~3,078 | ↓ 24.9% YoY |
| Avg Days on Market | 67 days | ↓ 18.6% YoY |
| List-to-Sale Ratio | ~99% | Holding steady |
| 30-Yr Mortgage Rate | 6.27% | ↓ 58 bps from last issue |
With inventory down nearly 25% year-over-year in Chicago and rates pulling back from recent highs, this is one of the better entry windows we've seen for serious buyers in 2026. Sellers are still commanding near-asking prices — the list-to-sale ratio remains close to 99% — which means overpriced listings still sit. My advice: buyers should get pre-approved now and be ready to move fast; sellers should price right from day one because the days of automatic bidding wars are behind us. And for investors, Chicago multi-family continues to be one of the strongest risk-adjusted plays in the country right now — rents are up, vacancy is low, and the Sun Belt corrections are redirecting capital northward into Midwest markets like ours.
With rates at 6.27%, a buyer purchasing a $390,000 home with 10% down finances roughly $351,000 — that's a monthly principal & interest payment of about $2,310. If rates drop just 50 bps to 5.77%, that same payment falls to roughly $2,050. The math on locking in now vs. waiting depends on your personal timeline — but in a low-inventory market like Chicago, missing the right home while rate-watching can be the more costly mistake.
Dobre wiadomości dla kupujących: oprocentowanie kredytów hipotecznych na 30 lat spadło do 6,27%, co daje realną ulgę w miesięcznych ratach. Chicagowski rynek nieruchomości pozostaje jednym z najsilniejszych w całym kraju — mediana ceny sprzedaży wynosi teraz 390 000 dolarów, co oznacza wzrost o prawie 7% w ciągu roku. Oferta mieszkań na rynku jest nadal bardzo ograniczona, dlatego warto działać szybko. Rezerwa Federalna trzyma stopy procentowe bez zmian i nie przewiduje ich obniżki przynajmniej do jesieni. Jeśli myślisz o kupnie lub sprzedaży nieruchomości w Chicago, zadzwoń — pomogę po polsku! Zadzwoń do Sławomira: (773) 837-4815.
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