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 classified by USPS as a standard delivery area and covers roughly 26.1 square miles in Montgomery, Kendall County, Illinois. The area is home to 26,619 residents, producing a population density of 1,019 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 60538 against Illinois and the nation.
On the economic side, the median household income for ZIP 60538 sits at $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%. On housing, the median home value is $267,300 (39% above the state average) with median rent at $1,858 per month, and 81.3% of occupied units are owner-occupied, a direct signal of whether 60538 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 25.6% of adults hold a bachelor's degree or higher, the median age is 35.9, and the average commute is 32 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Kendall County, so you can benchmark 60538 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 60538
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 60538.
- Construction
Construction
66 establishments
- Retail trade
Retail trade
62 establishments
- Transportation and warehousing
Transportation and warehousing
57 establishments
- Other services (except public administration)
Other services (except public administration)
42 establishments
- Accommodation and food services
Accommodation and food services
37 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
Who lives in ZIP 60538?
35.9
Median Age
51.9%
Male
48.1%
Female
13.6%
Foreign-Born
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
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
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?
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
$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.
- 60505
Aurora (60505)
76,573 residents
- 60506
Aurora (60506)
53,013 residents
- 60504
Aurora (60504)
37,919 residents
- 60543
Oswego (60543)
36,156 residents
- 60538 26,619
Montgomery (60538)
26,619 residents
- 60502 21,873
Aurora (60502)
21,873 residents
- 60542 17,099
North Aurora (60542)
17,099 residents
- 60503 16,717
Aurora (60503)
16,717 residents
- 60554 11,796
Sugar Grove (60554)
11,796 residents
What this shows Among its immediate neighbors, ZIP 60538 ranks #5 by population — useful context the national average alone can't give.
ZIP 60538 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 60502
Aurora (60502)
$156,904 median income
- 60503
Aurora (60503)
$136,726 median income
- 60554
Sugar Grove (60554)
$122,734 median income
- 60543
Oswego (60543)
$119,371 median income
- 60542
North Aurora (60542)
$114,831 median income
- 60504
Aurora (60504)
$98,008 median income
- 60538
Montgomery (60538)
$97,131 median income
- 60512
Bristol (60512)
$96,895 median income
- 60506
Aurora (60506)
$79,517 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.
| 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
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Frequently Asked Questions
What county is ZIP code 60538 in? ▼
What is the population of ZIP code 60538? ▼
What is the median household income in ZIP 60538? ▼
What is the average home value in ZIP 60538? ▼
What is the demographic makeup of ZIP 60538? ▼
How many businesses are in ZIP code 60538? ▼
What are the main industries in ZIP code 60538? ▼
How have home values changed in ZIP code 60538? ▼
What is the education level in ZIP code 60538? ▼
What is the average commute time in ZIP 60538? ▼
What percentage of residents own vs. rent in ZIP 60538? ▼
What is the poverty rate in ZIP code 60538? ▼
ZIP Code Research Guides
Official Data Resources for Montgomery, IL
Verify and explore additional data for this area using these official government sources.
Read our methodology to see how this data is sourced, computed, and verified.