Chicago saw stable, slower appreciation throughout the pandemic, in contrast to "boomtowns" like Phoenix that saw prices skyrocket and are now dropping.
While homebuyers in seven of the nation's 10 largest metros gained buying power in 2025, Chicago buyers' affordability shrank.
The typical U.S. homebuyer's down payment fell 1.5% year over year to $64,000 in December, the first decline in five months.
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