© OpenMapTiles © OpenStreetMap
Living in
Elgin.
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
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 Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
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)
Median home value
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
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
City-level rate · BLS annual average
Unemployment Rate — 10 Year Trend
City-level (BLS) · Annual averages
What Elgin 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
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
Commute Time Distribution
Nearest airports · with airline service
- 20 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 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).
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:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 28 | Thunderstorm Wind | $16,500 |
| 2024 | 28 | Thunderstorm Wind | None reported |
| 2023 | 22 | Thunderstorm Wind | $700,000 |
| 2022 | 30 | Thunderstorm Wind | None reported |
| 2021 | 22 | Thunderstorm Wind | None reported |
| 2020 | 18 | Thunderstorm Wind | None reported |
| 2019 | 20 | Hail | None reported |
| 2018 | 23 | Hail | $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
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 30°F | 14°F | 2.02" |
| Feb | 34°F | 17°F | 1.87" |
| Mar | 46°F | 26°F | 2.37" |
| Apr | 59°F | 37°F | 3.96" |
| May | 70°F | 48°F | 5.12" |
| Jun | 80°F | 58°F | 4.46" |
| Jul | 84°F | 63°F | 3.98" |
| Aug | 82°F | 61°F | 4.33" |
| Sep | 76°F | 53°F | 3.53" |
| Oct | 63°F | 41°F | 3.31" |
| Nov | 48°F | 30°F | 2.68" |
| Dec | 36°F | 20°F | 2.22" |
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
Nearby hospitals · within 15 miles
Bhc Streamwood Hospital Inc.
Psychiatric · 9 mi away · Streamwood
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
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.
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
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)
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 awayIndiana Dunes National Park
National Park
69 mi awayPublic Libraries in Elgin
Gail Borden Public Library District
270 North Grove Avenue, Elgin
Rakow Branch Library
2751 West Bowes Road, Elgin
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.
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