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Living in
Crystal Lake.
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
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
Hispanic or Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
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)
Median home value
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
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
City-level rate · BLS annual average
Unemployment Rate — 10 Year Trend
City-level (BLS) · Annual averages
What Crystal Lake Residents Do for Work · share of employed residents by industry
City residents, wherever they work
Median Salary by Occupation · metro area
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
Commute Time Distribution
Nearest airports · with airline service
- 28 mi
Chicago O'Hare International Airport (ORD)
Major hub40.7M passengers boarded in 2025
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).
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:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 20 | Thunderstorm Wind | None reported |
| 2024 | 27 | Thunderstorm Wind | $50,000 |
| 2023 | 18 | Thunderstorm Wind | None reported |
| 2022 | 31 | Thunderstorm Wind | None reported |
| 2021 | 28 | Drought | None reported |
| 2020 | 13 | Thunderstorm Wind | None reported |
| 2019 | 19 | Thunderstorm Wind | None reported |
| 2018 | 11 | Winter 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
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 32°F | 14°F | 1.97" |
| Feb | 35°F | 16°F | 1.84" |
| Mar | 47°F | 26°F | 2.51" |
| Apr | 59°F | 37°F | 3.76" |
| May | 71°F | 48°F | 4.98" |
| Jun | 80°F | 58°F | 5.26" |
| Jul | 84°F | 63°F | 3.90" |
| Aug | 82°F | 61°F | 3.81" |
| Sep | 74°F | 52°F | 3.54" |
| Oct | 62°F | 42°F | 3.20" |
| Nov | 48°F | 31°F | 2.48" |
| Dec | 36°F | 20°F | 2.10" |
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
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
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)
Private nonprofit · 4-year · 708 students · in-state tuition $31,810 · 50% graduate · median earnings $59,095 (10 yrs after entry)
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 awayIndiana Dunes National Park
National Park
76 mi awayPublic Libraries in Crystal Lake
Crystal Lake Public Library
126 Paddock Street, Crystal Lake
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.
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