ZIP Code 60646 — Chicago city, IL Demographics & Data

ZIP code 60646 covers Chicago, IL in Cook County with a population of about 28,499.

At a glance, the area shows median age of 42.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 224, 773, 847, 872; U.S. House district IL-5; the CHICAGO media market.

Chicago, IL sits in a university / college context (near hebrew theological college (1.2 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 60646 is about $111,115 — about 48% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.0%; unemployment rate near 3.7%; 57.5% of adults with a bachelor’s degree or higher (about 23.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Professional services; about 16.7% of workers reporting work-from-home (about 1.5 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $493,600 — about 42% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,112 (about 4% below the U.S. median rent ($1,163)), and owner-occupancy near 79.1% (about 13.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 60646 in Chicago, IL, a household would need roughly $136,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,171. That is about 22% above the local median household income ($111,115), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Chicago city, IL as Very High (composite score 100.0), which is among the highest nationally. The strongest component scores on US5 are flood (99.9) and wildfire (55.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Chicago city, IL show little to no average snow and around 37.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,586 for ZIP 60646 (Chicago city, IL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.