About

Life in Crystal Lake

If you're considering Crystal Lake, understand that you're looking at a solidly middle-to-upper-middle-class suburban community with genuine neighborhood character but real seasonal extremes. The median home price sits around $311,000 with median rent at $1,468, which is reasonable for the Chicago area, and the median household income of $108,000 reflects a stable, educated population—42% hold college degrees. The job market is stable with 3.9% unemployment, though most residents commute: plan on about 30 minutes to reach employment elsewhere, often heading toward Chicago or the surrounding suburbs.

Crystal Lake at a Glance

Population, income, housing and more

Median Age

39.3 yrs

Poverty Rate

6.8%

Foreign-Born

10.4%

Broadband Internet

96.0%

of households

Population Growth

+5.0%

recent change · Census Bureau

Median household income

Crystal Lake$108,418
Illinois avg$83,390
US$80,734

Demographics10.4% foreign-born, most often from Mexico

Who lives in Crystal Lake: race and ethnicity, ages, households, languages and countries of origin

In Crystal Lake, the largest foreign-born group is from Mexico (31.5%), and 10.0% of residents speak Spanish at home.

Under 18

23.4%

of residents

65 and Older

14.9%

of residents

Households with Kids

35.4%

anyone under 18

Living Alone

20.6%

of households

Married Couples

56.9%

of households

Avg Household Size

2.72

people

Race & Ethnicity

White78.3%
Hispanic or Latino13.8%
Asian3.7%
Two or more races3.1%
Black0.6%

Hispanic or Latino of any race; other groups are non-Hispanic

Top countries of origin (foreign-born)

Mexico31.5%
Poland10.7%
India7.3%
El Salvador4.6%
Vietnam4.5%
Philippines3.3%
Ukraine2.5%
China2.1%
Colombia2.1%
Dominican Republic1.9%

Languages Spoken at Home

English only83.3%
Spanish10.0%
Russian/Slavic2.5%
Other Indo-European1.7%
German/Germanic0.5%
Vietnamese0.5%
Tagalog/Filipino0.3%
Other Asian/Pacific0.3%

Cost of Livingrent 15% above IL average

Rent, home values, and income in Crystal Lake

In Crystal Lake, rent runs 15% above the IL average, and home values are 18% above the IL average.

Median rent (per month)

Crystal Lake$1,468
Illinois avg$1,274
US$1,413

Median home value

Crystal Lake$311,400
Illinois avg$263,300
US$332,700

Rent Burdened

50.4%

spending 30%+ of income on rent

Severely Rent Burdened

25.1%

spending 50%+

Cost of Living Index

103.6

metro area (BEA) · US avg = 100

Median Property Tax

$7,720

per year, owner-occupied homes

Homeowners

77.6%

of occupied homes are owned

Typical Home Built

1986

median year built

Vacant Homes

2.9%

of housing units

Home Value Trend

$280,822
$381,790
202120222023202420252026

Latest: $381,790 (September 2026)

Jobs & Economyunemployment 0.7 pts below IL average

Unemployment in Crystal Lake and typical pay across the metro area

Unemployment in Crystal Lake is 0.7 percentage points lower than the IL average.

Unemployment rate

Crystal Lake3.9%
Illinois avg4.6%
US4.3%

City-level rate · BLS annual average

Unemployment Rate — 10 Year Trend

5.1%
4.1%
3.3%
3.1%
8.4%
4.4%
3.5%
3.6%
4.3%
3.9%
2016201720182019202020212022202320242025

City-level (BLS) · Annual averages

What Crystal Lake Residents Do for Work · share of employed residents by industry

Education & health care21.9%
Manufacturing12.9%
Professional & business services10.8%
Retail10.6%
Arts, hospitality & food service9.9%
Construction7.9%
Finance & real estate6.7%
Transportation & utilities6.2%

City residents, wherever they work

Median Salary by Occupation · metro area

Management$125,280
Healthcare$81,400
Business & Finance$79,910
Education$60,950
Office & Admin$46,540
Production$43,550
Transportation$41,020
Sales$38,490

Chicago-Naperville-Elgin, IL-IN-WI metro area

Commute29.3 min avg

How Crystal Lake residents get to work, and the nearest airports

In Crystal Lake, most residents drive alone to work (72%), and 58% get there in under 30 minutes.

How People Get to Work

Drive alone71.8%
Carpool9.8%
Public transit1.2%
Walk1.4%
Work from home15.0%
Other0.9%

Commute Time Distribution

Under 15 min29.9%
15–29 min27.6%
30–44 min17.0%
45–59 min12.8%
60+ min12.7%

Nearest airports · with airline service

  • Chicago O'Hare International Airport (ORD)

    Major hub40.7M passengers boarded in 2025

    28 mi

Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.

Safetyviolent crime 65% below national average

Crime rates for 2025

Violent crime in Crystal Lake runs 65% below the national average.

Violent Crime Rate

114.7

per 100,000 residents

Below average (329 national, 2025)

Property Crime Rate

1,101.9

per 100,000 residents

Below average (1,552 national, 2025)

Crystal Lake Police Department

Natural DisastersThunderstorm Wind most common — 20 events in 2025

Natural hazard risk, storms and earthquakes

FEMA National Risk Index

Relatively Moderate

90.8 / 100

Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).

Cold wave · HighStrong wind · HighTornado · HighHail · ModerateLightning · Moderate

McHenry County, county-wide · FEMA NRI December 2025

In McHenry County, which includes Crystal Lake, the most common type is thunderstorm wind, with 20 recorded events in 2025.

Most common events:

Thunderstorm WindWinter WeatherDroughtWinter StormHail

Storm events by year

YearEventsTop TypeProperty Damage
202520Thunderstorm WindNone reported
202427Thunderstorm Wind$50,000
202318Thunderstorm WindNone reported
202231Thunderstorm WindNone reported
202128DroughtNone reported
202013Thunderstorm WindNone reported
201919Thunderstorm WindNone reported
201811Winter Storm$116,000

Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.

1 earthquake of magnitude 2.5+ within 100 miles in the past year

McHenry County, county-wide

Air Quality42 median AQI — Good

Days by air quality category (2025)

Air quality in McHenry County, which includes Crystal Lake, is typically good — 247 good-air days per year.

Median AQI

42

Good Days

247

per year

Moderate Days

105

per year

Unhealthy Days

1

per year

McHenry County, county-wide

Climate82°F summers, 17°F winters

30-year climate averages (1991–2020) — monthly temperatures and precipitation

Crystal Lake has warm summers (avg high 82°F) and very cold winters (avg low 17°F).

Spring (Mar–May)

59°/37°F

avg high / low

Summer (Jun–Aug)

82°/61°F

avg high / low

Fall (Sep–Nov)

61°/42°F

avg high / low

Winter (Dec–Feb)

34°/17°F

avg high / low

Annual Precipitation

39.3"

Annual Snowfall

35.1"

Hot Days/Year

22

days above 90°F

Freeze Days/Year

136

days below 32°F

Rainy Days/Year

110

Average month

High °FLow °FPrecip (in)
0°20°40°60°80°100°5.5"Jan: 1.97" precipitationFeb: 1.84" precipitationMar: 2.51" precipitationApr: 3.76" precipitationMay: 4.98" precipitationJun: 5.26" precipitationJul: 3.90" precipitationAug: 3.81" precipitationSep: 3.54" precipitationOct: 3.20" precipitationNov: 2.48" precipitationDec: 2.10" precipitation14°JJan: high 32°F, low 14°FFFeb: high 35°F, low 16°FMMar: high 47°F, low 26°FAApr: high 59°F, low 37°FMMay: high 71°F, low 48°FJJun: high 80°F, low 58°F84°JJul: high 84°F, low 63°FAAug: high 82°F, low 61°FSSep: high 74°F, low 52°FOOct: high 62°F, low 42°FNNov: high 48°F, low 31°FDDec: high 36°F, low 20°F
Show month-by-month table ↓
MonthHighLowPrecip
Jan32°F14°F1.97"
Feb35°F16°F1.84"
Mar47°F26°F2.51"
Apr59°F37°F3.76"
May71°F48°F4.98"
Jun80°F58°F5.26"
Jul84°F63°F3.90"
Aug82°F61°F3.81"
Sep74°F52°F3.54"
Oct62°F42°F3.20"
Nov48°F31°F2.48"
Dec36°F20°F2.10"

Healthcare1 hospital

Hospitals, ratings, and health insurance in Crystal Lake

Crystal Lake has 1 hospital.

Hospitals

1

within city limits

Uninsured

3.6%

of residents

Mercyhealth Hospital & Physician Clinic-crystal La

Acute Care Hospitals · ER available

Not rated

Nearby hospitals · within 15 miles

Northwestern Medicine Mchenry

Acute Care Hospitals · ER available · 6.6 mi away · Mchenry

Advocate Good Shepherd Hospital

Acute Care Hospitals · ER available · 11.2 mi away · Barrington

Advocate Sherman Hospital

Acute Care Hospitals · ER available · 12.3 mi away · Elgin

Adult Health · vs. the typical US place

Obesity31.7%US 36.8%
Diabetes9.7%US 12.6%
High blood pressure32.1%US 37.1%
Current smoking11.1%US 15.0%
No leisure-time physical activity19.9%US 26.6%
Depression22.3%US 23.0%
Asthma9.8%US 10.7%
Routine checkup in past year77.1%US 78.2%

Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.

Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs.

Education14.5:1 student/teacher ratio

Schools and degree attainment in Crystal Lake

Crystal Lake's student/teacher ratio is 14.5:1 (lower than the national average of 16:1), and 42.0% of adults 25+ hold a bachelor's degree or higher.

Public Schools

17

within city limits

Private Schools

3

within city limits

College Degree Rate

42.0%

adults 25+ with bachelor's or higher

Student/Teacher Ratio

14.5:1

National avg 16:1

Schools located within city limits (2023) — school-level metrics change slowly year to year

Colleges Near Crystal Lake (within 15 miles)

Judson University

12.1 mi away

Private nonprofit · 4-year · 708 students · in-state tuition $31,810 · 50% graduate · median earnings $59,095 (10 yrs after entry)

Ambria College of Nursing

12.6 mi away

Private for-profit · 2-year · 123 students · 57% graduate · median earnings $67,642 (10 yrs after entry)

Degree-granting colleges with 100+ students, placed by campus location (main campuses only — branch campuses are reported under their parent school)

Parks & Recreationclosest: Pullman National Historical Park, 53 mi

Nearby national parks, recreation areas and public libraries for Crystal Lake

Crystal Lake has 2 nearby national parks or recreation areas, closest being Pullman National Historical Park (53 mi away).

Nearby National Parks & Recreation Areas

Pullman National Historical Park

National Historical Park

53 mi away

Indiana Dunes National Park

National Park

76 mi away

Public Libraries in Crystal Lake

Crystal Lake Public Library

126 Paddock Street, Crystal Lake

Central library~65 hrs/week

Cities Near Crystal Lake

The closest cities within 60 miles

Planning a move to Crystal Lake?

Read our full moving guide — what it's really like to live here.

Moving to Crystal Lake →

Crystal Lake FAQ

Is Crystal Lake, Illinois affordable?⌄

Crystal Lake's median rent is $1,468/month, which is close to the national average. The median household income is $108,418/year. Median home value is $311,400.

Is Crystal Lake, Illinois safe?⌄

Crystal Lake's violent crime rate was 115 per 100,000 residents in 2025, which is well below the national average — one of the safer cities in the country of 329/100k that year. Property crime rate is 1102 per 100,000. As with any city, crime rates vary by neighborhood.

What is the job market like in Crystal Lake, Illinois?⌄

Crystal Lake has an unemployment rate of 3.9%, which is close to the national average of 4.3%.

What is the cost of living in Crystal Lake, Illinois?⌄

The cost of living in Crystal Lake is primarily driven by housing. Median rent is $1,468/month and median household income is $108,418/year. The median home value is $311,400. About 50% of renters spend more than 30% of their income on housing.

How is the commute in Crystal Lake, Illinois?⌄

The average commute in Crystal Lake is 29 minutes, which is about average compared to the national average of 26 minutes.

Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from