8750 S Kilbourn Ave · Hometown, IL 60456

$170,000

3 bd · 1.0 ba · 926 sqft · Townhouse public records · 11 Days on market

Built 1952 4,000 sqft lot Est $224k · 24% under

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Why this score? — see what drove the C+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +23.3/30.0
• ARV discount +15.0/15.0
• DSCR +7.5/10.0
• 1% rule +6.9/10.0
• Livability +4.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks

Attention Investors and Rehabbers! This is a fantastic opportunity to own in this wonderful community. Bring your ideas and vision to transform this property into something special. Great potential for renovation, rental income, or resale. Conveniently located near parks, schools, shopping, and transportation. Don't miss this chance to invest in a property with tremendous upside!

Key facts

• 2 parking spots
• Built 1952
• Listed 11 days

Property features AI

Finance

• Other: Two-unit building
• Financial info: Special service area: No
• HOA & community: No master association fee required

Exterior

• Parking: Two owned parking spaces
• Utilities: Public water; Public sewer
• Home design: Attached single, 1/2 duplex; Entry level: 1; Fee simple ownership; Built 71-80 years ago; Built before 1978
• Construction: Aluminum and vinyl siding
• Exterior features: 40 x 100 lot dimensions; Pets allowed (cats and dogs; max pet weight 50 lbs)

Interior

• Kitchen: Kitchen on main level (approx. 11 x 14)
• Bedrooms: Three bedrooms (all on the main level); Master bedroom on the main level (approx. 12 x 11); Bedroom (approx. 10 x 12); Bedroom (approx. 9 x 11)
• Bathrooms: One full bathroom
• Heating & cooling: Natural gas heating; Window air conditioning units
• Interior features: Five total rooms; Crawl space basement
• Laundry & utility: Main-level laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath townhouse listed at $170k.

Deal economics

• At list price, monthly cash flow is $312 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $170k).

Location & tenants

• Location reads 86/100 on livability (#21 in IL, #416 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: amenities C-.
• Oak Lawn Chsd 229 (suburban): math 22% / reading 21% proficiency, ranked #384 of 620 in IL (top 62%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Oak Lawn Comm High School (math 22% / reading 21%, grade F, #345 of 693 statewide, top 50%, 1,834 students, 0% FRL).
• Market conditions: 9 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 6,272 units permitted in Cook County in 2024 (4,658 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.

Negotiation context

• Only 11 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1952 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $170,000

Questions for the listing agent

1. Built in 1952 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
5. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
6. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.19% ✓
• Cap rate: 8.49%
• Cash-on-cash: 7.85%
• DSCR: 1.35
• GRM: 7.0

CMA / ARV

• ARV (on-the-fly): $224,092
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8750 S Kilbourn Ave	0.00mi	3/1.0	926 (0%)	0mo	$156,500	$169	100
4527 W 88th Pl	0.23mi	3/1.0	920 (-1%)	3mo	$240,000	$261	86
4308 W 87th Pl	0.31mi	3/1.0	925 (-0%)	5mo	$190,000	$205	81
4324 W 87th Pl	0.28mi	3/1.0	960 (+4%)	4mo	$267,000	$278	77
8953 S Corcoran Rd	0.37mi	2/1.0 (-1)	950 (+3%)	1mo	$225,000	$237	73
4129 W 90th St	0.58mi	3/1.0	984 (+6%)	5mo	$220,000	$224	58
4500 W 93rd St Unit 1D	0.62mi	2/2.0 (-1)	950 (+3%)	2mo	$175,000	$184	56
4128 W 90th Pl	0.59mi	3/1.0	1,036 (+12%)	2mo	$257,500	$249	51
4049 W 89th Pl	0.63mi	3/1.0	1,030 (+11%)	5mo	$195,000	$189	48
4134 W 90th St	0.55mi	2/1.0 (-1)	800 (-14%)	2mo	$193,500	$242	45
8859 S Main St	0.58mi	2/1.0 (-1)	817 (-12%)	5mo	$200,000	$245	44
8854 S Pulaski Rd #8854	0.67mi	2/1.5 (-1)	1,023 (+10%)	2mo	$263,000	$257	43

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -4.3%
• Equity multiple: 0.84×
• Total profit: $-7,602
• Equity at exit: $25,348

10-year hold

• IRR: 5.5%
• Equity multiple: 1.41×
• Total profit: $19,345
• Equity at exit: $14,698

Cash invested: $47,600 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 43 Moderately Tenant-Leaning
• State Illinois: 43 Moderately Tenant-Leaning · D+7
• County: — inherits STATE
• City: — inherits STATE

Chicago RTLO is among the strongest tenant ordinances in the Midwest; downstate is more landlord-friendly.

Methodology + full state rankings →

ZIP-level market 60456

• Home prices YoY: -18.3%
• Active inventory: 9
• Price-to-rent: 7.0×

Monthly cashflow live

• Estimated rent: $2,028 high
• Mortgage (P&I): −$891
• Tax from tax record: −$329 /mo · $3,944/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$426
• Net cashflow: $312

Break-even live

Break-even rent $1,634

Max offer price $170,000

Occupancy floor 80%

Sensitivity live

Price	-10% $408	-5% $360	+0% $312	+5% $263	+10% $215
Rent	-10% $151	-5% $231	+0% $312	+5% $392	+10% $472
Rate	-1.0pp $397	-0.5pp $355	base $312	+0.5pp $268	+1.0pp $223

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $42,500
• Closing costs: $5,100
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4134 W 90th St Hometown, IL	2.0	1.0	740	$1,500	$2.03	21d	1	0.56mi
9600 S Komensky Ave Oak Lawn, IL	2.0	2.0	900	$1,800	$2.00	25d	1	1.19mi
9522 S 53rd Ave Unit 3S Oak Lawn, IL	2.0	1.0	900	$2,150	$2.39	25d	1	1.36mi
9522 S 53rd Ave Unit 1N Oak Lawn, IL	2.0	1.0	900	$2,150	$2.39	11d	1	1.36mi
9517 Minnick Ave Oak Lawn, IL	2.0	2.0	900	$2,000	$2.22	6d	1	1.37mi
3725 W 80th St Chicago, IL	3.0	2.0	888	$3,200	$3.60	2d	1	1.42mi

Listing history 1 events

1. 2026-05-18
   listed $170,000 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast IL · Partial reset (capped growth)

• Current annual tax: $3,944 · $329/mo
• Projected year-2 tax: $3,944 · $329/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,342
• − Mortgage interest: −$9,523
• − Property taxes: −$3,944
• − Insurance: −$850
• − Repairs & maintenance: −$1,947
• − Management: −$1,947
• − Depreciation: −$4,945
• Taxable income: $1,186
• Est. tax owed @ 24.0%: −$285
• After-tax cash flow: $3,454/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Oak Lawn Chsd 229
• NCES district ID: 1729220
• Math proficiency: 22% ▼ -4.00%
• Reading proficiency: 21% ▼ -4.00%
• Median HH income: $52,505
• Composite: 19.41/100
• National rank: #8777
• State rank: #384 of 620 in IL

Livability — Hometown

• Score: 86/100
• State rank: #21
• US rank: #416

Category grades

Amenities C- Commute A+ Cost of living A+ Crime B Employment B- Housing A+ Health & safety B User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hometown, IL
• City population: 4,244
• Population (ZIP): 4,244

Population outlook (Cook County) Hauer SSP2

• Today (2025): 5,347,519 people
• By 2030: 5,357,703 · +0.2%
• By 2040: 5,324,924 · -0.4%
• By 2050: 5,230,762 · -2.2%
• By 2075: 4,785,735 · -10.5%
• By 2100: 4,188,836 · -21.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (63%)
• Race & ethnicity: White 63% Hispanic / Latino 32% Two or more races 16% Asian 1%
• Hispanic origin (detail): Mexican 24% Puerto Rican 5%
• Common ancestry: Romanian 12% Lithuanian 1% Danish 1%
• Foreign-born: 10% · Canada
• Languages at home: 78% English-only · Spanish 20% Other Indo-European 1%

Political lean MEDSL · Cook

• 2024 margin: Solid D (+42.0) · D 70.4% · R 28.4% · Other 1.2%
• 2008→2024 swing: -11.4pp toward R · 2008: 53.4pp · 2024: 42.0pp
• All cycles: 2024: D+42.0 2020: D+50.3 2016: D+53.0 2012: D+49.4 2008: D+53.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -64.51%
• Current HPI: 287.2695
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.59%
• F500 in state: 60

Industry mix (Fortune 500 HQ in IL)

Industry	F500 HQs	Revenue
▸Insurance	4	$201B
▸Consumer Goods	4	$87B
▸Industrial Machinery	3	$64B
▸Healthcare	2	$55B
▸Retail / Pharmacy	1	$148B
▸Agriculture / Food	1	$86B

Price history

1 event — show timeline

• 2026-05-18 Listed $170,000 MRED as Distributed by MLS Grid

Property tax history

+4.1%/yr

Latest (2023): $3,944 · +35.5% YoY. Source: county tax records.