About

Life in Elgin

Life in Elgin means being part of a genuinely diverse community—nearly half the population is Latino, with significant Asian and African American populations too—where you'll find authentic food, cultural events, and a real neighborhood feel rather than just a commuter town vibe. The cost of living is reasonable for the Chicago area, with a median home value around $273,000 and median household income of about $90,282, though you should know winters here are genuinely cold with snow, springs bring severe storms and the occasional tornado risk, and summers are hot and humid with frequent precipitation—it's the classic Midwest climate with all four seasons hitting hard. Downtown has actually experienced real revival since the 1990s with the Grand Victoria casino spurring restaurant and nightlife development, and the city takes its cultural life seriously—the Hemmens Cultural Center and performing arts venues host everyone from Hubbard Street Dance to national comedians, plus you've got the Elgin Symphony Orchestra and multiple theatre groups keeping things lively on weekends.

Elgin at a Glance

Population, income, housing and more

Median Age

36.7 yrs

Poverty Rate

9.8%

Foreign-Born

26.4%

Broadband Internet

94.0%

of households

Population Growth

+0.6%

recent change · Census Bureau

Median household income

Elgin$90,282
Illinois avg$83,390
US$80,734

Demographics26.4% foreign-born, most often from Mexico

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

In Elgin, the largest foreign-born group is from Mexico (64.2%), and 39.8% of residents speak Spanish at home.

Under 18

25.3%

of residents

65 and Older

13.5%

of residents

Households with Kids

36.2%

anyone under 18

Living Alone

22.7%

of households

Married Couples

50.6%

of households

Avg Household Size

2.88

people

Race & Ethnicity

Hispanic or Latino48.7%
White34.9%
Asian6.6%
Black5.2%
Two or more races3.8%
Other0.6%

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

Top countries of origin (foreign-born)

Mexico64.2%
India5.1%
Philippines3.8%
Colombia2.7%
Laos2.4%
Pakistan1.9%
Poland1.6%
Uzbekistan1.4%
Honduras1.4%
Venezuela1.2%

Languages Spoken at Home

English only51.9%
Spanish39.8%
Other Indo-European2.9%
Other Asian/Pacific2.1%
Russian/Slavic1.2%
Tagalog/Filipino1.0%
German/Germanic0.3%
Other0.3%

Cost of Livingrent 7% above IL average

Rent, home values, and income in Elgin

In Elgin, rent runs 7% above the IL average.

Median rent (per month)

Elgin$1,361
Illinois avg$1,274
US$1,413

Median home value

Elgin$273,000
Illinois avg$263,300
US$332,700

Rent Burdened

46.8%

spending 30%+ of income on rent

Severely Rent Burdened

23.9%

spending 50%+

Cost of Living Index

103.6

metro area (BEA) · US avg = 100

Median Property Tax

$6,184

per year, owner-occupied homes

Homeowners

71.9%

of occupied homes are owned

Typical Home Built

1977

median year built

Vacant Homes

3.0%

of housing units

Home Value Trend

$252,737
$340,323
202120222023202420252026

Latest: $340,323 (September 2026)

Jobs & Economyunemployment 1.1 pts above IL average

Unemployment in Elgin and typical pay across the metro area

Unemployment in Elgin is 1.1 percentage points higher than the IL average.

Unemployment rate

Elgin5.7%
Illinois avg4.6%
US4.3%

City-level rate · BLS annual average

Unemployment Rate — 10 Year Trend

6.1%
5.3%
5.2%
4.9%
10.2%
7%
5.7%
5.7%
6%
5.7%
2016201720182019202020212022202320242025

City-level (BLS) · Annual averages

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

Education & health care18.7%
Manufacturing18.1%
Professional & business services13.2%
Retail10.7%
Arts, hospitality & food service9.4%
Construction7.3%
Transportation & utilities6.0%
Finance & real estate5.8%

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

Commute28.2 min avg

How Elgin residents get to work, and the nearest airports

In Elgin, most residents drive alone to work (72%), and 55% get there in under 30 minutes.

How People Get to Work

Drive alone71.5%
Carpool10.5%
Public transit1.9%
Walk0.9%
Work from home12.8%
Other2.6%

Commute Time Distribution

Under 15 min21.1%
15–29 min33.8%
30–44 min24.9%
45–59 min10.7%
60+ min9.5%

Nearest airports · with airline service

  • Chicago O'Hare International Airport (ORD)

    Major hub40.7M passengers boarded in 2025

    20 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 34% below national average

Crime rates for 2025

Violent crime in Elgin runs 34% below the national average.

Violent Crime Rate

217.9

per 100,000 residents

Below average (329 national, 2025)

Property Crime Rate

928.4

per 100,000 residents

Below average (1,552 national, 2025)

Elgin Police Department

Natural DisastersThunderstorm Wind most common — 28 events in 2025

Natural hazard risk, storms and earthquakes

FEMA National Risk Index

Relatively High

94.6 / 100

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

Cold wave · Very HighLightning · HighInland flooding · HighTornado · HighDrought · Moderate

Kane County, county-wide · FEMA NRI December 2025

In Kane County, which includes Elgin, the most common type is thunderstorm wind, with 28 recorded events in 2025.

Most common events:

Thunderstorm WindWinter WeatherHailWinter StormTornado

Storm events by year

YearEventsTop TypeProperty Damage
202528Thunderstorm Wind$16,500
202428Thunderstorm WindNone reported
202322Thunderstorm Wind$700,000
202230Thunderstorm WindNone reported
202122Thunderstorm WindNone reported
202018Thunderstorm WindNone reported
201920HailNone reported
201823Hail$250,000

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

Kane County, county-wide

Air Quality45 median AQI — Good

Days by air quality category (2025)

Air quality in Kane County, which includes Elgin, is typically good — 226 good-air days per year.

Median AQI

45

Good Days

226

per year

Moderate Days

130

per year

Unhealthy Days

1

per year

Kane County, county-wide

Climate82°F summers, 17°F winters

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

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

Spring (Mar–May)

58°/37°F

avg high / low

Summer (Jun–Aug)

82°/61°F

avg high / low

Fall (Sep–Nov)

62°/41°F

avg high / low

Winter (Dec–Feb)

33°/17°F

avg high / low

Annual Precipitation

39.9"

Annual Snowfall

32.1"

Hot Days/Year

15

days above 90°F

Freeze Days/Year

139

days below 32°F

Rainy Days/Year

124

Average month

High °FLow °FPrecip (in)
0°20°40°60°80°100°5.5"Jan: 2.02" precipitationFeb: 1.87" precipitationMar: 2.37" precipitationApr: 3.96" precipitationMay: 5.12" precipitationJun: 4.46" precipitationJul: 3.98" precipitationAug: 4.33" precipitationSep: 3.53" precipitationOct: 3.31" precipitationNov: 2.68" precipitationDec: 2.22" precipitation14°JJan: high 30°F, low 14°FFFeb: high 34°F, low 17°FMMar: high 46°F, low 26°FAApr: high 59°F, low 37°FMMay: high 70°F, low 48°FJJun: high 80°F, low 58°F84°JJul: high 84°F, low 63°FAAug: high 82°F, low 61°FSSep: high 76°F, low 53°FOOct: high 63°F, low 41°FNNov: high 48°F, low 30°FDDec: high 36°F, low 20°F
Show month-by-month table ↓
MonthHighLowPrecip
Jan30°F14°F2.02"
Feb34°F17°F1.87"
Mar46°F26°F2.37"
Apr59°F37°F3.96"
May70°F48°F5.12"
Jun80°F58°F4.46"
Jul84°F63°F3.98"
Aug82°F61°F4.33"
Sep76°F53°F3.53"
Oct63°F41°F3.31"
Nov48°F30°F2.68"
Dec36°F20°F2.22"

Healthcare3 hospitals, avg 4.0/5

Hospitals, ratings, and health insurance in Elgin

Elgin has 3 hospitals, averaging 4.0 out of 5 on CMS's quality rating — above-average care.

Hospitals

3

within city limits

Uninsured

10.8%

of residents

Avg Hospital Rating

4.0 / 5

Advocate Sherman Hospital

Acute Care Hospitals · ER available

Saint Joseph Hospital-elgin

Acute Care Hospitals · ER available

Elgin Mental Health Center

Psychiatric · ER available

Not rated

Nearby hospitals · within 15 miles

Bhc Streamwood Hospital Inc.

Psychiatric · 9 mi away · Streamwood

Not rated

St Alexius Medical Center

Acute Care Hospitals · ER available · 9.3 mi away · Hoffman Estates

Alexian Brothers Behavioral Hlth Hosp

Psychiatric · 9.7 mi away · Hoffman Estates

Not rated

Adult Health · vs. the typical US place

Obesity35.8%US 36.8%
Diabetes12.1%US 12.6%
High blood pressure29.5%US 37.1%
Current smoking12.2%US 15.0%
No leisure-time physical activity26.6%US 26.6%
Depression18.7%US 23.0%
Asthma9.4%US 10.7%
Routine checkup in past year74.8%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.

Education16.3:1 student/teacher ratio

Schools and degree attainment in Elgin

Elgin's student/teacher ratio is 16.3:1, close to the national average of 16:1, and 27.0% of adults 25+ hold a bachelor's degree or higher.

Public Schools

30

within city limits

Private Schools

10

within city limits

College Degree Rate

27.0%

adults 25+ with bachelor's or higher

Student/Teacher Ratio

16.3:1

National avg 16:1

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

Colleges & Universities in Elgin

Judson University

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

Nearby Colleges (within 15 miles)

Ambria College of Nursing

6.3 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, 44 mi

Nearby national parks, recreation areas and public libraries for Elgin

Elgin has 2 nearby national parks or recreation areas, closest being Pullman National Historical Park (44 mi away).

Nearby National Parks & Recreation Areas

Pullman National Historical Park

National Historical Park

44 mi away

Indiana Dunes National Park

National Park

69 mi away

Public Libraries in Elgin

Gail Borden Public Library District

270 North Grove Avenue, Elgin

Central library~69 hrs/week

Rakow Branch Library

2751 West Bowes Road, Elgin

Branch~62 hrs/week

Cities Near Elgin

The closest cities within 60 miles

Planning a move to Elgin?

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

Moving to Elgin →

Elgin FAQ

Is Elgin, Illinois affordable?⌄

Elgin's median rent is $1,361/month, which is close to the national average. The median household income is $90,282/year. Median home value is $273,000.

Is Elgin, Illinois safe?⌄

Elgin's violent crime rate was 218 per 100,000 residents in 2025, which is below the national average of 329/100k that year. Property crime rate is 928 per 100,000. As with any city, crime rates vary by neighborhood.

What is the job market like in Elgin, Illinois?⌄

Elgin has an unemployment rate of 5.7%, which is slightly above the national average of 4.3%.

What is the cost of living in Elgin, Illinois?⌄

The cost of living in Elgin is primarily driven by housing. Median rent is $1,361/month and median household income is $90,282/year. The median home value is $273,000. About 47% of renters spend more than 30% of their income on housing.

How is the commute in Elgin, Illinois?⌄

The average commute in Elgin is 28 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