Montgomery, Illinois

Area Profile

21,515 residents. Public schools, jobs, income, housing cost, climate and natural-hazard risk for Montgomery, in Kendall County.

65out of 100
Area Score
Top 36% of 2,944 profiles measured

How we calculate this

How this area ranks
Opportunity2335th of 3,904 cities measured52
Schools1982nd of 2,668 cities measured33
GrowthTop 17% of 2,973 cities measured70
Housing affordabilityTop 35% of 4,223 cities measured89
Climate3689th of 4,223 cities measured59
Physical resilienceTop 26% of 4,182 cities measured79
Access3010th of 4,226 cities measured85
Economic stabilityTop 14% of 4,226 cities measured77
The quick read

Unemployment is 4.4% and median household income $103,734, putting employment conditions in the middle range of published city profiles.

In the public schools here, 14% of students met the state standard in mathematics, with 14.7 students for every teacher.

Rent takes 23% of median household income here, below the 30% threshold conventionally called cost-burdened, and the median home is 2.9 times that income.

At a glance

Population
21,515
2024 ACS 5-Year
Median household income
$103,734
Top 17% nationally
Density
2,150/sq mi
10.0 sq mi of land
Median age
35.3
2024 ACS 5-Year
County
Kendall County
Illinois
Metro area
Chicago-Naperville-Elgin, IL-IN
Nearest major airport
ORD
29 mi · Chicago O'Hare Intl
Median home value
$299,500
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.4% is lower than 48% of the 3,904 measured US cities.

Employment fell 1.9% over the past year, to 72,986 employed residents.

MetricValueCompared nationallySource period
Median household income ±$10,399$103,734Top 17%of 29,5732024 ACS 5-Year
Per capita income ±$2,349$37,156Top 40%of 31,4202024 ACS 5-Year
Poverty rate6.7%Bottom 32%of 31,9002024 ACS 5-Year
Average commute35.9 minTop 14%of 31,5432024 ACS 5-Year
Bachelor's degree or higher28.7%Top 33%of 31,9192024 ACS 5-Year
Employment72,986Top 43%of 3,904June 2026
Employment change (3 years)-0.5%Bottom 44%of 3,903June 2026
Employment change (year over year)-1.9%Bottom 20%of 3,904June 2026
Labor force76,358Top 43%of 3,904June 2026
Labor force participation73.5%Top 11%of 31,9332024 ACS 5-Year
Mean annual wage$73,380Top 36%of 3,6582025 OEWS
Median annual wage$54,720Top 39%of 3,6582025 OEWS
Unemployment change (year over year)0.4%Top 32%of 3,904June 2026
Unemployment rate4.4%Top 48%of 3,904June 2026
Median household income, successive ACS releases
2021202220232024105k97k
Each point is a separate five-year estimate, most recently $103,734 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Chicago-Naperville-Elgin, IL-IN
OccupationPeople employedMedian annual wage
Laborers and Freight, Stock, and Material Movers, Hand157,920$40,550
General and Operations Managers122,930$109,390
Home Health and Personal Care Aides108,520$38,180
Registered Nurses100,240$100,490
Cashiers99,240$35,010
Fast Food and Counter Workers97,280$34,630

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics publishes city-level labor data only for places of 25,000 or more. This is the figure for Kendall County, IL, which contains this city.

14% of students met the state standard in mathematics and 18% in reading, across the schools here that reported results.

There are 14.7 students for every full-time teacher, fewer than in most measured places.

Public schools
5
2024-25 school year
Students per teacher
14.7
across all schools here
Math proficiency
14.2%
Bottom 30% in Illinois
Reading proficiency
18.0%
Bottom 20% in Illinois
SchoolDistrictStudentsPer teacherMathReading
Lakewood Creek ElementaryCUSD 30876717.819%19%
Long Beach Elem SchoolCUSD 30863218.114%21%
Boulder Hill Elem SchoolCUSD 30847610.810%19%
Kaneland McDole Elem SchoolKaneland CUSD 30244011.9
Nicholson Elem SchoolAurora West USD 12933716.08%8%

51.7% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Illinois’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $1,984 takes 23% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 2.9 times median household income here, close to the historic benchmark for an affordable market.

Rent as a share of income
23.0%
Below the 30% cost-burdened threshold
Home price to income
2.9×
median home value ÷ median income
Median gross rent
$1,984
2024 ACS 5-Year
Median home value
$299,500
2024 ACS 5-Year
MetricValueCompared nationallySource period
Home price to income2.89Bottom 49%of 28,4732024 ACS 5-Year
Homeownership rate79.3%Top 43%of 31,8432024 ACS 5-Year
Housing units ±5297,507Top 8%of 32,3302024 ACS 5-Year
Median gross rent ±$526$1,984Top 9%of 23,4322024 ACS 5-Year
Median home value ±$20,201$299,500Top 28%of 29,3422024 ACS 5-Year
Rent as a share of income23.0%Top 25%of 23,2012024 ACS 5-Year
Vacancy rate4.8%Bottom 28%of 32,0012024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
70/ 100
Top 17% of 2,973 published city profiles
Permitting is broadly steady, measured from 2020 to 2025.

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

Population has grown 7% since 2020, reaching 21,957 in 2024.

New construction is predominantly single-family: only 0% of permitted units are in buildings of five or more homes.

At 1.8 permitted units per 1,000 residents, building activity is below the median for measured US cities.

Units permitted
39
12 months ending July 2026
Per 1,000 residents
1.8
Bottom 44% nationally
Year over year
+255%
vs the prior twelve months
Multifamily share
0.0%
units in 5+ unit buildings
Population, annual estimates
2020202120222023202422k20k
Census Population Estimates Program, July 1 of each year. These annual estimates are designed for year-over-year comparison, unlike the ACS five-year figure shown as this profile's population.
Housing units permitted per year
2020202120222023202420253150.0
Annual totals from the Census Building Permits Survey. Permitting in 2025 was lower than 2020 (−93%).

Weather & climate

5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 84°F and January a low of 15°F.

Normal annual precipitation is 33.8 inches.

0°20°40°60°80°100°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station CHICAGO AURORA MUNI AP, 7.2 miles from this location.
Precipitation
JFMAMJJASOND4.1"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation33.8"1991-2020 Normals
Average January low15°F1991-2020 Normals
Average July high84°F1991-2020 Normals
Comfortable months51991-2020 Normals
Seasonal temperature swing50°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

79 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are inland flooding, tornado and heat wave.

TornadoModerate
Inland floodingModerate
Heat waveModerate

Low or minimal exposure: cold wave, strong wind, earthquake, lightning, winter weather, drought, ice storm, landslide, hail, wildfire, hurricane.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. City values are the population-weighted mean of the counties the city overlaps, using AreaProfile place-to-county land-area weights. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Kendall County records 2.8 homicide deaths per 100,000 residents a year, near the middle of counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 9.3 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 6.1 per 100,000 residents in Kendall County.

Homicide
2.8
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
9.3
per 100,000 residents · under 10 deaths
Drug overdose
6.1
per 100,000 residents · under 10 deaths
Suicide
13.6
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Kendall County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around Montgomery rather than Montgomery itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
Offences reported to police are published by department rather than by town, and only where a department reported every month of the year. No municipal department reports for this place — many smaller communities are policed by the county — so there is no figure to show. A partial year is never scaled up to look complete, and arrest counts or news volume are never substituted for it.
Taxes and full cost of living
No public source publishes either with national coverage and a method open enough to check. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings. Nothing here is individualised tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house. School attendance zones, insurance pricing and the character of a neighbourhood all vary within the places measured here.

Access

3 major airports lie within 100 miles, the nearest 29 miles away.

AirportCodeDistanceLongest runway
Chicago O'Hare IntlORD29 mi11,245 ft
Gary/Chicago IntlGYY49 mi8,859 ft
Central Il Rgnl/Bloomington-NormalBMI91 mi8,000 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
65
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Other cities in Chicago-Naperville-Elgin, IL-IN

Same metropolitan area, measured the same way
CityCountyPopulationArea ScoreCompare
ChicagoCook County2,711,22654vs Montgomery
AuroraKane County179,89864vs Montgomery
NapervilleDuPage County150,69271vs Montgomery
JolietWill County150,44559vs Montgomery
ElginKane County114,93457vs Montgomery
WaukeganLake County89,07658vs Montgomery
CiceroCook County82,79748vs Montgomery
SchaumburgCook County76,86861vs Montgomery
HammondLake County76,76858vs Montgomery
EvanstonCook County76,34063vs Montgomery
Arlington HeightsCook County76,00566vs Montgomery
BolingbrookWill County74,09664vs Montgomery

Every city here is measured on the same scale from the same source releases, so the comparison is like for like. A higher Area Score reflects AreaProfile’s standardized weighting rather than a judgment about which is the better place to live.

Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

ZIP codes in Montgomery

1 published ZIP profiles
ZIPPopulationMedian household incomeArea Score
6053830,514$97,13165