Home What if you’d bought here?
What if you’d bought in a Fox Valley subdivision?
Pick any of 496 Fox Valley subdivisions and a year. The calculator shows what a typical home cost then, what it’s worth now, and how the cash you put in would have done, next to the same money invested in the market at a rate you choose.
If you’d bought a typical home in 2016
Yearly return on the cash put in (20% down plus closing costs), using each subdivision’s median sale in 2016 and its median today, a 30-year loan at that year’s average rate (3.65%), and about 6% to sell. Subdivisions with too few 2016 sales, and new-construction communities, are left out (176 included).
| Subdivision | Town | Typical in 2016 | Typical now | Yearly return on cash |
|---|---|---|---|---|
| The Meadows | Geneva | $355,000 | $950,000 | +24% |
| Downtown Geneva | Geneva | $411,250 | $1,100,000 | +24% |
| Sansone | Geneva | $287,000 | $677,500 | +22% |
| Orchard Green | Aurora | $173,000 | $385,000 | +21% |
| Colonial Village | Batavia | $169,000 | $370,000 | +21% |
| Delnor Park | St. Charles | $329,000 | $717,000 | +21% |
| Fox Croft | Aurora | $155,000 | $335,000 | +20% |
| Fox River Estates | St. Charles | $200,000 | $430,000 | +20% |
| North Lake Manor | Aurora | $146,900 | $305,000 | +20% |
| Heathercrest | Aurora | $166,500 | $344,000 | +20% |
| Pine Knoll | Aurora | $178,000 | $365,000 | +19% |
| Tanner Trails | North Aurora | $297,500 | $610,000 | +19% |
| Indian Trail West | Aurora | $183,250 | $375,000 | +19% |
| Fox River Heights | St. Charles | $184,950 | $375,000 | +19% |
| Westfield Park | St. Charles | $262,500 | $531,500 | +19% |
| Pine Creek | North Aurora | $232,500 | $470,000 | +19% |
| Parkview Estates | Montgomery | $160,000 | $322,500 | +19% |
| Kylyns Ridge | Yorkville | $240,000 | $480,900 | +19% |
| Crane Road Estates | St. Charles | $1,175,000 | $2,350,000 | +19% |
| Old Reserve Hills | Oswego | $398,000 | $795,000 | +19% |
By town, bought in 2016
| Town | Typical in 2016 | Typical now | Yearly return on cash |
|---|---|---|---|
| Aurora | $177,000 | $350,000 | +19% |
| North Aurora | $251,380 | $485,000 | +18% |
| St. Charles | $325,600 | $610,000 | +18% |
| Yorkville | $245,000 | $450,000 | +18% |
| Oswego | $264,000 | $482,500 | +17% |
| Batavia | $290,000 | $528,000 | +17% |
| Geneva | $345,000 | $605,000 | +17% |
| Montgomery | $216,500 | $377,400 | +17% |
| Sugar Grove | $295,000 | $495,000 | +16% |
How the calculator works
- Prices are medians of closed, arm’s-length sales of detached homes in each subdivision, from MLS records.
- Owning: your cash in is the down payment plus closing costs; your result is today’s value minus the remaining loan and selling costs.
- Renting and investing instead: the same cash, plus each year’s difference between owning costs and rent, grows at the market rate you set.
- Every assumption (down payment, rate, taxes, insurance, upkeep, rent, selling costs, market return) can be changed.
An illustration, not advice. Mortgage rates and the cost of living are approximate U.S. annual averages; everything else is an assumption you can change. Talk to a financial or tax professional before making decisions.