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5121 W Henderson St, Chicago, IL, 60641

4beds
2baths
--sqft
$599,000
--price/sqft
$4,244/moest. monthly cost
$169,760/yrincome needed

About This Home

Live in one, rent the other! This well-maintained brick two-flat in the heart of Portage Park is perfect for an owner-occupant looking to build wealth while enjoying the benefits of homeownership. The second floor unit is vacant and move-in ready, offering a blank slate to make it your own from day one while the first floor unit provides immediate rental income. Each unit features spacious rooms, hardwood flooring, and a functional layout with separate living and dining areas, plus an enclosed back porch ideal for added storage, a home office, or extra living space. The finished basement adds even more flexibility, whether you envision an in-law suite, a rec room, or a future duplex-down to maximize rental income potential. Add a detached 2-car garage, a fenced yard, and an oversized Chicago lot to round out the package. All of this on a quiet residential block that still puts you close to everything...steps from Chopin Park, the Blue Line, Metra, and CTA buses, with the Six Corners shopping and dining district just around the corner. Quick access to I-90/94 makes commuting a breeze. Whether you're a first-time buyer ready to stop renting, or a seasoned investor adding to your portfolio, this Portage Park two-flat is a smart, long-term move in one of Chicago's most sought-after neighborhoods.

Getting Around

77
WalkingVery Walkable
62
TransitGood Transit
61
BikeBikeable

Schools

5/10
4/10
Gray Elementary SchoolGrades PK-80.6 mi
1/10
Foreman High SchoolGrades 9-120.2 mi

Construction

Condition

  • Year built: 1928

Materials

  • Roof: Flat
  • Construction materials: Brick

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 3

Heating

  • Heating features: Natural Gas,Radiant

Property

Details

  • Parcel number: 13214120110000
  • Zoning: MULTI
  • Special condition: None

Lot

  • Lot size: 4,125 sqft
  • Lot size dimensions: 33X125

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener,Yes,Garage Owned,Detached,Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Heat Wave
Tornado
Winter Weather
Tsunami

FEMA Declared Disasters Across Illinois Counties

Flood
Other
Severe Storm
Straight Line Winds
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,028$36,336
Home Insurance *$223$2,676
Property Taxes $863$10,356
Electricity $130$1,569
Total$4,244$50,928
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$145,508/yr
40% on housing$127,320/yr
45% on housing$113,173/yr

Illinois FAIR Plan Programs

Illinois FAIR Plan Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,961Commercial: 62
Total Premiums$4.35M
Total Exposure$370.02M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 15.1%
15.1%
0%30.0%
Electricity Growth Rate10-year average: 5.5%
5.5%
0%15.0%
Property Taxes Growth Rate2-year average: -0.8%
-0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 60641$265
Cook County$225

vs Homes Sold Last Month

Median $/sqft

ZIP 60641$248
Cook County$219

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2025-12-26Listing removed$599,000
2025-07-08Listed for sale$599,000
2014-02-28Sold$175,000

For Sale by Agent

AgentJon Ellingsen
Brokeragexr realty

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