What $350K Buys in Elgin: Townhome or House?
18 of the 25 Elgin neighborhoods under $350K are mostly townhomes and condos. Here's how taxes and HOA dues change the real monthly cost.
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$364,900
Median house price
10 days
Median market time
≈100%
Of list price
Market Update
October 2026
Elgin Real Estate Market Report: October 2026
For Elgin closings Sep 20 – Oct 19, 2026, detached houses sold for a median of $364,900 and townhomes and condos for $277,875. The typical home sold in 10 days at about 100% of list price. Here is what that means for buyers and sellers.
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Guides & Resources
13 articles
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Pre-Approval vs. Pre-Qualification: What Elgin Sellers Want
Homes are selling in about 10 days. Here's the letter sellers expect and the questions to ask your lender.
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6 Costs First-Time Buyers Underestimate in Elgin
Property taxes, HOA dues, closing costs and more: what to budget for so there are no surprises at closing.
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First-Time Buyer Map: Elgin Neighborhoods Under $350K
Every Elgin subdivision with a 12-month median sale price under $350,000, with HOA dues, taxes and days on market. Most of them are townhomes and condos.
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First-Time Home Buyer Guide for Elgin, IL
How much you really need down, Illinois down payment assistance, what closing costs look like and the steps from your first call to closing day.
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The Mortgage-Ready Guide
A free step-by-step guide to credit, savings and pre-approval, so you know where you stand before you start touring homes.
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Buyer Tools: Calculators & Checklists
Estimate your monthly payment, cash to close and what you can afford with Elgin property taxes built in.
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Selling a Home in Elgin, IL
Pricing, prep, timelines and what sellers pay at closing in Illinois, with today's Elgin market numbers.
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Show-Ready in 7 Days (Free Seller Guide)
My 7-day staging plan, room-by-room checklists and a $500 upgrade plan. In English and Spanish.
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Sierra Ridge, Elgin: Townhomes & Condos
Models, recent sale prices, HOA and what to know before you buy in Sierra Ridge.
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Valley Creek Neighborhood Guide
Homes, prices, parks and location for one of Elgin's established west-side neighborhoods.
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Living in Elgin: Parks, Events & Commute
Lords Park, Wing Park, the Fox River Trail, Metra to Chicago and Elgin's year of festivals, all on one page.
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Free Video Series: Elgin IL Home Buyer Blueprint
Six short videos on choosing an agent, buyer fees, lenders, offers and contracts.
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