Is Chicago, IL Safe to Buy? Home Safety Score 68/100
Score 68/100 · Risk: moderate-high · Water Grade C · Updated 2026-05-03
Chicago has moderate-to-high risk. Several risk factors require careful evaluation.
Data: EPA SDWIS, FEMA NFIP, Census ACS, EPA Radon Zones Last verified: 2026-05-03
While every safety upgrade carries a real price tag, the estimated remediation range for Chicago reflects a proportionally modest share of local home values — a baseline that leaves substantial room for financial planning and does not signal equity stress for most owners.
What is a home safety score?
The home safety score (0-100) combines multiple environmental risk factors into a single number: water quality grade, lead contamination levels, flood zone exposure, radon risk, and air quality. A higher score means lower overall risk. The score helps homebuyers compare neighborhoods at a glance. Chicago scores 68/100 with a "moderate-high" risk level.
Remediation Cost Breakdown
Estimated costs to address safety issues for a typical home in Chicago:
Cost ranges are estimates based on national averages. Actual costs vary by property. Get 3 quotes before proceeding.
Per-ZIP Home Safety Scores
Safety scores vary across Chicago's 86 ZIP codes.
| ZIP Code | Score | Grade | |
|---|---|---|---|
| 60619 | 61 | C | View report → |
| 60625 | 61 | C | View report → |
| 60628 | 61 | C | View report → |
| 60637 | 61 | C | View report → |
| 60609 | 66 | C | View report → |
| 60610 | 66 | C | View report → |
| 60614 | 66 | C | View report → |
| 60617 | 66 | C | View report → |
| 60618 | 66 | C | View report → |
| 60620 | 66 | C | View report → |
| 60624 | 66 | C | View report → |
| 60626 | 66 | C | View report → |
| 60629 | 66 | C | View report → |
| 60630 | 66 | C | View report → |
| 60631 | 66 | C | View report → |
Home Safety Overview
Chicago, Illinois has moderate-to-high risk for homebuyers. The average home safety score is 68/100 across 86 ZIP codes. Several risk factors require careful evaluation during due diligence.
Safety Score Card
A composite view of Chicago's key risk indicators:
| Risk Factor | Value | Assessment |
|---|---|---|
| Water Quality | Grade C (68/100) | Moderate risk |
| Lead Risk | 0.0093 mg/L | Low risk |
| Flood Risk | 64% in flood zones | Elevated risk |
| Radon | Zone 2 (Moderate) | Moderate risk |
| Air Quality | AQI 102 (USG) | Elevated risk |
Cost to Fix: Remediation Breakdown
Estimated costs to address safety issues for a typical home in Chicago:
| Component | Estimated Cost |
|---|---|
| Radon | $400 |
| Filtration | $303 |
| Flood Insurance | $862 |
| Pfas | $6 |
| Total (low estimate) | $734 |
| Total (mid estimate) | $2K |
| Total (high estimate) | $3K |
Cost ranges are estimates based on national averages and local data. Actual costs vary by property condition, contractor, and scope of work. Get 3 quotes before proceeding.
Per-ZIP Home Safety Scores
Home safety varies across Chicago's ZIP codes. Lower scores indicate more risk factors:
| ZIP Code | Safety Score | Grade |
|---|---|---|
| 60619 | 61 | C |
| 60625 | 61 | C |
| 60628 | 61 | C |
| 60637 | 61 | C |
| 60609 | 66 | C |
| 60610 | 66 | C |
| 60614 | 66 | C |
| 60617 | 66 | C |
| 60618 | 66 | C |
| 60620 | 66 | C |
| 60624 | 66 | C |
| 60626 | 66 | C |
| 60629 | 66 | C |
| 60630 | 66 | C |
| 60631 | 66 | C |
Chicago vs. Nearby Illinois Cities
How Chicago's overall risk compares to similar cities in Illinois:
| City | Water Grade | Lead ZIPs Over Limit | Flood Claims | Population |
|---|---|---|---|---|
| Chicago | C | 0 | 944 | 2,750,188 |
| Godfrey | B | 0 | 295 | 539,048 |
| Aurora | F | 10 | 299 | 184,170 |
| Eola | D | 0 | 0 | 183,000 |
Homebuyer Safety Checklist for Chicago
Before purchasing a home in Chicago, Illinois, complete these checks:
Water Quality
- Request the latest Consumer Confidence Report (CCR) from the water utility
- Test tap water for lead, bacteria, and nitrates ($20-$50 for DIY kit)
Radon
- Conduct a radon test ($15-$30 for short-term kit, $150-$300 for professional)
- Chicago is in Radon Zone 2 (Moderate risk) — testing is strongly recommended
Flood Risk
- Check the property's FEMA flood zone at msc.fema.gov
- Ask about flood history and past insurance claims
- 64% of Chicago is in flood zones — verify insurance requirements
Lead Paint & Pipes
- For homes built before 1978: request lead paint disclosure
- For homes built before 1986: inspect plumbing for lead solder and pipes
- 77% of Chicago homes built before 1986 — pipe inspection recommended
General
- Check for carbon monoxide detectors on every level
- Inspect for visible mold, water stains, or musty odors
- Verify the home's connection to a regulated public water system
Data Sources
- Water quality: EPA SDWIS
- Lead: EPA Lead and Copper Rule
- Flood: FEMA NFIP
- Radon: EPA Radon Zones
- Air quality: EPA AirNow
- Home values: U.S. Census Bureau ACS B25077
- Remediation costs: National cost model (EPA, Census, FEMA data)
Updated daily.
Water Quality Map: Chicago, IL
Each dot represents a ZIP code. Color indicates water quality grade. Tap a dot for details.
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