PlainZIP

Montgomery, IL · standard

ZIP Code 60538

Kendall County, Illinois - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

26,619
1,019/sq mi
$97,131
Median income
$267,300
Median home value
25.6%
Bachelor's or higher

The verdict

Montgomery pairs an upper-quartile household income with above-median home values, in a low-density, homeowner-dominated area.

Top 21%
household income, US ZIPs
Top 39%
home value, US ZIPs
1,019
people per sq mi
81%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 60538 against every reporting US ZIP.

ZIP code 60538 is a densely settled ZIP (a standard USPS delivery area) in Montgomery, Kendall County, Illinois, with 26,619 residents across 26.1 square miles, a density of 1,019 people per square mile, in the Chicago time zone.

ZIP 60538 lands in the middle-income range, with a median household income of $97,131 (21% above the Illinois average), while per-capita income is $36,558. The poverty rate stands at 7.3% and the unemployment rate at 5.5%. Median home value sits at $267,300 (39% above the state average), median rent at $1,858 a month, and owner-occupancy at 81.3%.

Educational attainment sits below the national norm: 25.6% of adults hold a bachelor's degree or higher, the median age is 35.9, and the average commute is 32 minutes. To put 60538 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Kendall County, for a geography-aware comparison.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 60538

Top 5 sectors by establishment count in Montgomery, IL

Which industries have the most business establishments in ZIP 60538.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 60538, Montgomery, IL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

26,619

Population

26.1

Area (sq mi)

1,019

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 60538?

35.9

Median Age

51.9%

Male

48.1%

Female

13.6%

Foreign-Born

White 57.1%
African American 6.5%
Asian 2.1%
American Indian or Alaska Native 1.5%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 20.9%
Hispanic or Latino 35.4%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$97,131

Median Household Income

+21% vs state

$36,558

Per Capita Income

7.3%

Poverty Rate

5.5%

Unemployment Rate

31.7 min

Mean Commute Time

How ZIP 60538 ranks nationally

Montgomery, IL household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$97,131 Top 21% higher than 79% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 55.8%
Bachelor's Degree or Higher 25.6%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

10,708

Total Housing Units

10,175

Occupied Units

533

Vacant Units

3.00

Avg Household Size

Occupancy Type

Owner 81.3%
Renter 18.7%

$267,300

Median Home Value

+39% vs state

$1,858

Median Rent

1999

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+6.5%

YoY Change (2024)

203

HPI Index (2000 = 100)

+103%

Total Change Since 2000

Home values in ZIP 60538 have increased 6.5% over the past year (2024). Since 2000, this ZIP has seen +103% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.0% 138
2021 +9.9% 152
2022 +16.4% 177
2023 +7.8% 190
2024 +6.5% 203

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 450 business establishments in ZIP 60538, employing approximately 6,776 people with a combined annual payroll of $390,928,000.

450

Businesses

6,776

Employees

$390.9M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Construction 66 14.7%
Retail trade 62 13.8%
Transportation and warehousing 57 12.7%
Other services (except public administration) 42 9.3%
Accommodation and food services 37 8.2%
Wholesale trade 32 7.1%
Administrative and support and waste management and remediation services 32 7.1%
Professional, scientific, and technical services 31 6.9%
Manufacturing 28 6.2%
Health care and social assistance 19 4.2%
Finance and insurance 17 3.8%
Real estate and rental and leasing 9 2.0%
Information 6 1.3%
Educational services 6 1.3%
Arts, entertainment, and recreation 3 0.7%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 60538 vs 60506 →

ZIP 60538 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 60538 ranks #5 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 60538 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 60538 ranks #7 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
60506 Aurora, IL 53,013 3.0 mi
60543 Oswego, IL 36,156 4.3 mi
60542 North Aurora, IL 17,099 6.0 mi
60512 Bristol, IL 1,111 4.4 mi
60505 Aurora, IL 76,573 4.4 mi
60503 Aurora, IL 16,717 5.3 mi
60539 Mooseheart, IL 341 7.3 mi
60504 Aurora, IL 37,919 6.4 mi
60554 Sugar Grove, IL 11,796 6.3 mi
60502 Aurora, IL 21,873 7.1 mi

More ZIP Codes in Kendall County

60543 standard
Oswego, IL
Pop: 36,156
60560 standard
Yorkville, IL
Pop: 22,415
60545 standard
Plano, IL
Pop: 12,940
60541 standard
Newark, IL
Pop: 3,148
60512 standard
Bristol, IL
Pop: 1,111
60536 standard
Millbrook, IL
Pop: 126

Related Areas

Kendall County Montgomery, IL Illinois

Frequently Asked Questions

What county is ZIP code 60538 in? ▼
ZIP code 60538 (Montgomery) is located in Kendall County, Illinois. Kendall County contains multiple ZIP codes, see the full list at /counties/kendall-il.
What is the population of ZIP code 60538? ▼
ZIP code 60538 in Montgomery, IL has a population of 26,619 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 60538? ▼
The median household income in ZIP 60538 is $97,131, which is 27% above the national average of $76,288.
What is the average home value in ZIP 60538? ▼
The median home value in ZIP 60538 is $267,300, which is 4% below the national average of $278,155.
What is the demographic makeup of ZIP 60538? ▼
The largest racial group in ZIP 60538 is White at 57.1%. Hispanic or Latino residents make up 35.4% of the population.
How many businesses are in ZIP code 60538? ▼
ZIP code 60538 has 450 business establishments employing approximately 6,776 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 60538? ▼
The top industries by establishment count in ZIP 60538 are: Construction (66), Retail trade (62), Transportation and warehousing (57). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 60538? ▼
According to the FHFA House Price Index, home values in ZIP 60538 increased by 6.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 103%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 60538? ▼
In ZIP code 60538, 55.8% of residents aged 25+ have a high school diploma or higher, and 25.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 60538? ▼
The mean commute time for workers in ZIP code 60538 is 31.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 60538? ▼
In ZIP code 60538, approximately 81.3% of occupied housing units are owner-occupied and 18.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 60538? ▼
The poverty rate in ZIP code 60538 is 7.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.