Published October 23, 2026 in Market Update

This one part of McHenry County is moving fast

By Alison Aviles

Real estate, McHenry County

Rates matter. Realtor.com reported that mortgage rates surged above 7% for the first time since January 2025. That puts real pressure on buyers across McHenry County. But pressure does not mean every part of the county slowed down.

The Real Estate Data Aggregator counted just 0.9 months of supply in ZIP 60021 (Fox River Grove) for the three months ending August 31, 2026. That is the tightest reading in all of McHenry County. It means the shelf is nearly bare. Sellers there hold real leverage right now.

How tight is Fox River Grove compared with the rest of the county?

Fox River Grove is not just tight. It tightened fast. The Real Estate Data Aggregator shows supply there fell 1.7 months compared with the same period in 2025. That is the steepest drop in the county.

Speed: Fox River Grove homes moved faster than anywhere else

Recent data shows Fox River Grove homes sat on the market a median of just 35 days. That is 13 days shorter than the same period last year. Nearly 47% went under contract within two weeks of listing. And sellers averaged 101.8% of their asking price. That is not a fluke. It is a pattern.

Rates above 7%: what that means for McHenry County buyers

Realtor.com reported that mortgage rates crossed 7% for the first time since January 2025. Nationally, Realtor.com also found that 20.8% of listings took a price cut in September, the highest share since October 2022. McHenry County's tightest ZIPs have not followed that pattern, but buyers in those areas do feel the rate bite.

The Federal Housing Finance Agency reported U.S. house prices rose 2.6% from July 2025 to July 2026. That is a modest national backdrop. But some McHenry County ZIPs ran well ahead of that pace.

Price changes across McHenry County, year over year

Fox River Grove prices dipped 7.7% compared with a year ago, according to recent data. That's an honest admission worth noting. Even so, the zip held the lowest supply in the county and the shortest days on market. A lower price point with tight supply can still draw strong offers.

The broader McHenry County picture

The Real Estate Data Aggregator counted 1,491 homes sold across all 17 McHenry County ZIP codes in the three months ending August 31, 2026. With 1,469 pending sales, the pipeline behind those closings stayed strong. Not every corner of the county moved at Fox River Grove's pace, but demand held up broadly.

Where speed varied: days on market by ZIP

Lake in the Hills (60156) and Cary (60013) also moved quickly, at 41 and 42 median days. The Real Estate Data Aggregator shows Lake in the Hills had 60.6% of homes go under contract within two weeks, the highest two-week rate in the county. Cary was close behind at 59.1%.

Above-list sales: which ZIPs saw the most competitive offers