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© 2026 OnePercent · Estimates carry bands, never promises.the line

462 Locust St, Elgin, IL 60123 — $309,900 · 5bd · ~1.3% rule | OnePercent

462 Locust St, Elgin, IL 60123

$309,900

Overview Financials Comps Location Analysis Calculator Nearby Risk Neighborhood Market

Home·Elgin 60123·462 Locust St, Elgin, IL 60123

Last confirmed 5 days ago

462 Locust St, Elgin, IL 60123

5 bd · 3 ba · built 1915 · Elgin · SINGLE_FAMILY·source listing ↗

$309,900

rent, three ways

OnePercent model (vv1)$4,052/mo

p10–p90 confidence band

HUD Fair Market Rent · 60123 · 5BR—

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

the locale

County

Kane

Flood risk indexRelatively High FEMA NRI

Median household income$87,693

Median area rent$1,292/mo

Median home value$261,000

the verdict

1.31%vs 1.0% target

Modeled rent: $4,052/morent estimate
Property tax: —listing
Insurance: $2,072/yrstate avg
HOA: —listing

Cap rate: 10.5%
Cash flow: +$1,143/mo
Cash-on-cash: 19.2%

financing: 20% down · — (FRED, live) · 30yr

$309,900

1.31% · rent $4,052

Intrinsic value · income approach

$542,051

43% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.

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