Median Income
$105,588
41% higher than US avg
Home Value
$226,700
20% lower than US avg
Bachelor's+
29.5%
12% lower than US avg
Median Rent
$1,206
4% higher than US avg
Obesity Rate
38.0%
18% higher than US avg
Unemployment
9.6%
167% higher than US avg
Poverty Rate
4.3%
65% lower than US avg
How Lake Summerset Compares to the U.S. Average (100% = U.S. avg)
People
Population2,240
Median Age46.1 yrs
Density1,057/mi²
Male / Female47% / 53%
Largest GroupWhite 99%
Veterans7.9%
Economy
B+
Median Income$105,588
Per Capita$43,625
Unemployment9.6%
Poverty4.3%
County GDP$18,798M
Commute38 min
Housing
A+
Home Value$226,700
Rent$1,206
Ownership87.8%
Zillow$259,436
Housing Units1,096
Rent Burden36.9%
Health
Obesity38.0%
Uninsured2.5%
Smoking13.5%
Depression24.2%
Heart Disease5.0%
Climate
Avg Temp47°F (8°C)
AQI43 (Good)
Rain38.9 in/yr
Elevation853 ft (260 m)
Education
B
Bachelor's+29.5%
High School+95.9%
Graduate+8.1%
School Score4.74
Community
2024 VoteR 49% / D 50%
Commute38 min
Broadband96.3%
EV Stations10
Libraries12
Is Lake Summerset a Good Place to Live?
Based on current data, Lake Summerset receives an overall livability score of 4.1 out of 5.0, earning a grade of A. Key strengths include above-average household incomes, affordable housing, a low poverty rate, high health insurance coverage. Areas to be aware of include above-average unemployment, long commute times. Lake Summerset stands out as an excellent place to live, with strong marks across most quality-of-life indicators.
Economy & Jobs
The median household income in Lake Summerset is $105,588, which is significantly higher than the national average / 41% above $75,149. This places Lake Summerset among higher-income communities. At 9.6%, unemployment is notably high. Only 4.3% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 38 minutes, longer than the typical American commute of 28 minutes.
Cost of Living & Housing
The median home value in Lake Summerset is $226,700, 20% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,206 per month. At just 2.1x median income, home prices are very affordable relative to local earnings.
Education
29.5% of residents hold a bachelor's degree, below the national average of 33.7%. 95.9% have completed high school. Area schools have an average test score of 4.7/10.
Climate & Weather
Lake Summerset experiences four distinct seasons with an average temperature of 47°F. Winters average 19°F in January while summers reach 72°F in July. Annual precipitation totals 38.9 inches, including 37.3 inches of snow. Air quality is rated Good with a median AQI of 43.
Lake Summerset has a population of 2,240 with a density of 1,057 people per square mile, spread across 2.1 square miles. The median age is 46.1 years, 19% older than the national median of 38.9. The gender split is 52.9% female and 47.1% male. The city is predominantly White (98.7%), with 4.6% Hispanic. English is the primary language spoken at home by 98.8% of residents. 7.9% of the population are veterans, above the national rate of 6.0%. 12.6% of residents have a disability. 97.5% have health insurance coverage.
Population
2,240
Total Population
2023 Census
46.1yrs
Median Age
19% above US avg
Race & Ethnicity
Lake Summerset vs U.S. Average
Language Spoken at Home
English Only
98.8%
26% above US avg
Spanish
1.3%
90% below US avg
Social Characteristics
Lake Summerset vs U.S. Average
The median household income in Lake Summerset is $105,588, which is 41% above the national average of $75,149. Per capita income is $43,625 (above the $39,052 national figure). The average weekly wage is $1,142, 20% lower than the U.S. average. The unemployment rate is 9.6% (above the 3.6% US average). 4.3% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 5,870 business establishments, including 623 restaurants. The cost of living index is 100, roughly in line with the national average. Workers commute an average of 38 minutes (longer than the 28-minute US average). 11.5% of workers work from home (below the 15.2% national rate).
Income: Lake Summerset vs U.S.
Income
| Median HH Income | $105,588 |
| 41% above US avg |
| Per Capita Income | $43,625 |
| Avg Weekly Wage | $1,142 |
| IRS Avg AGI | $65,398 |
| Gini Index | 0.452 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 9.6% |
| 167% above US avg |
| Poverty Rate | 4.3% |
| 65% below US avg |
| Establishments (County) | 5,870 |
| County GDP | $18,798M |
Business (County)
| Restaurants | 623 |
| Healthcare | 668 |
| Retail | 907 |
| Manufacturing | 521 |
Tax & Cost of Living
| Property Tax (IRS) | $6,763 |
| 93% above US avg |
| Cost of Living | 100.00 (100=avg) |
| Effective Tax Rate | 2.98% |
Commute & Transportation
| Commute Time | 37.6 min |
| Drive Alone | 82.0% |
| Public Transit | 0.0% |
| Work from Home | 11.5% |
The median home value in Lake Summerset is $226,700, 20% below the national median of $281,900. Zillow estimates the typical home value at $259,436, higher than the Census estimate. According to Redfin, the median sale price is $218,500 with homes selling in an average of 140 days. Homes sell for 97.1% of their list price. Monthly rent averages $1,206 (4% above the national average of $1,163). Fair market rent ranges from $854 for a one-bedroom to $1,063 for a two-bedroom apartment. 87.8% of housing units are owner-occupied (above the 65.4% national rate). There are 1,096 total housing units in the city. The median year a home was built is 1991. The average annual property tax is $6,763 (higher than the $3,500 national average). 36.9% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.1x, well within the affordable range.
Home Values
| Census Median | $226,700 |
| 20% below US avg |
| Zillow ZHVI | $259,436 |
| Redfin Median Sale | $218,500 |
| Median List Price | $303,000 |
Real Estate Market (Redfin)
| Median Sale Price | $218,500 |
| Median List Price | $303,000 |
| $/Sq Ft | $84 |
| Homes Sold | 1 |
| Days on Market | 140 days |
| Sale-to-List Ratio | 97.1% |
| Price Drops | 0.0% |
| Inventory | 10 |
Rental Costs
| Census Median Rent | $1,206 |
| 4% above US avg |
| Rent Burden | 36.9% |
HUD Fair Market Rent
| Studio | $774 |
| 1 Bedroom | $854 |
| 2 Bedrooms | $1,063 |
| 3 Bedrooms | $1,370 |
| 4 Bedrooms | $1,561 |
Ownership & Property
| Homeownership | 87.8% |
| Owner-Occupied | 87.8% |
| Renter-Occupied | 12.2% |
| Housing Units | 1,096 |
| Median Year Built | 1991 |
Property Tax
| Avg Tax (IRS) | $6,763 |
| 93% above US avg |
| Effective Rate | 2.98% |
In Lake Summerset, 38.0% of adults are obese, above the national rate of 32.1%. 8.8% have diabetes (below the 10.5% national rate). Heart disease affects 5.0% of residents. 29.7% have high blood pressure. 13.5% are current smokers. 21.3% report binge drinking. 20.2% are physically inactive, below the national average. 24.2% report depression (above the 20.0% national average). 18.1% experience frequent mental distress. 2.5% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:1,423. The dentist ratio is 1:1,171. 90.0% of residents have access to exercise opportunities. The food environment index is 7.6 out of 10.
Health Metrics: Lake Summerset vs U.S. Average (%)
Chronic Conditions
| Obesity | 38.0% |
| 18% above US avg |
| Diabetes | 8.8% |
| Heart Disease | 5.0% |
| High Blood Pressure | 29.7% |
| Asthma | 10.3% |
| COPD | 5.8% |
| Cancer | 7.5% |
| Stroke | 2.6% |
Behaviors & Mental Health
| Smoking | 13.5% |
| 4% below US avg |
| Binge Drinking | 21.3% |
| Physical Inactivity | 20.2% |
| Depression | 24.2% |
| Mental Distress | 18.1% |
| Physical Distress | 11.9% |
| Short Sleep | 35.4% |
Healthcare Access
| Insurance Rate | 97.5% |
| Uninsured | 2.5% |
| 71% below US avg |
| Primary Care | 1:1,423 |
| Dentists | 1:1,171 |
| Mental Health | 1:416 |
| Checkup Rate | 75.8% |
| Dental Visits | 65.7% |
| Premature Death | 11,176/100K |
Food & Exercise
| Food Environment | 7.6/10 |
| Exercise Access | 90.0% |
| Healthcare Facilities | 668 |
Lake Summerset experiences four distinct seasons with an average annual temperature of 47°F (8°C). Winters average 19°F in January while summers reach 72°F in July. Annual precipitation totals 38.9 inches. The area receives 37.3 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 43. 69% of days have good air quality. The city sits at an elevation of 853 feet.
Temperature
19°F Jan (-7°C)
72°F Jul (22°C)
| Annual Average | 47.2°F |
| 13% below US avg |
| January Average | 19°F (-7°C) |
| July Average | 72°F (22°C) |
Geography
| Elevation | 853 ft (260 m) |
| Area | 2.1 sq mi (5.5 km²) |
| Population Density | 1,057/sq mi |
| Coordinates | 42.4540°N, 89.3901°W |
| Timezone | America/Chicago |
| County | Winnebago County County |
| Nearest Airport | Southern Wisconsin Regional (JVL)
21 miles away |
Precipitation & Snow
Annual Rainfall
38.9"
2% above US avg
Wettest Month (Jun)
5.64"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
| Good Days % | 69.0% |
| Unhealthy Days | 3 |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0475 ppm |
| PM2.5 (Fine Particles) | 10.2 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Moderate |
| Risk Score | 92.4 / 100 |
| Social Vulnerability | 38.9 / 100 |
| Community Resilience | 68.5 / 100 |
Hazard Breakdown
| Tornado |
Relatively High |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively High |
| Hail |
Relatively High |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively High |
| Ice Storm |
Relatively High |
| Drought |
Relatively Low |
| Cold Wave |
Relatively High |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
7 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.2. Most recent: M3.1 on Jul 15, 2024.
| Jun 28, 2004 |
12 km NW of Dayton, Illinois |
M4.2 |
118 km |
| Feb 10, 2010 |
2 km NW of Lily Lake, Illinois |
M3.8 |
91 km |
| Sep 2, 1999 |
8 km W of Amboy, Illinois |
M3.5 |
82 km |
| Nov 4, 2013 |
1 km SSW of Lyons, Illinois |
M3.2 |
148 km |
| Jul 15, 2024 |
2 km WNW of Somonauk, Illinois |
M3.1 |
106 km |
| Mar 25, 2015 |
3 km WNW of Lake in the Hills, Illinois |
M2.9 |
89 km |
| Jun 10, 2013 |
4 km NNE of Virgil, Illinois |
M2.6 |
89 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
563 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 53 fatalities, 1,182 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 7, 1984 |
EF5 |
75 km |
9 |
| Apr 9, 2015 |
EF4 |
67 km |
2 |
| Jul 3, 1983 |
EF4 |
83 km |
0 |
| Mar 29, 1981 |
EF4 |
98 km |
0 |
| Apr 21, 1967 |
EF4 |
47 km |
24 |
| Apr 21, 1967 |
EF4 |
98 km |
1 |
| Apr 11, 1965 |
EF4 |
87 km |
6 |
| Jun 16, 2014 |
EF3 |
63 km |
0 |
| Jan 7, 2008 |
EF3 |
47 km |
0 |
| Jan 7, 2008 |
EF3 |
88 km |
0 |
| Aug 18, 2005 |
EF3 |
52 km |
1 |
| Jun 17, 1992 |
EF3 |
49 km |
0 |
| May 8, 1988 |
EF3 |
70 km |
0 |
| Jun 5, 1980 |
EF3 |
91 km |
0 |
| Aug 5, 1979 |
EF3 |
51 km |
0 |
| Jun 4, 1975 |
EF3 |
87 km |
0 |
| Jun 20, 1974 |
EF3 |
90 km |
1 |
| Aug 2, 1967 |
EF3 |
75 km |
2 |
| Apr 16, 1967 |
EF3 |
45 km |
0 |
| Jan 24, 1967 |
EF3 |
16 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
2 wildfires (100+ acres) within 100 km.
Largest: RX-HWY Y - SOUTH (553 ac, 2024).
| Year |
Name |
Acres |
Distance |
| 2024 |
RX-HWY Y - SOUTH |
553 |
78 km |
| 2009 |
COLD SPRINGS |
552 |
31 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
19°F (-7°C) |
1.6 in |
Coldest |
| February |
23°F (-5°C) |
1.6 in |
Driest |
| March |
35°F (1°C) |
2.1 in |
|
| April |
47°F (8°C) |
3.7 in |
|
| May |
59°F (15°C) |
4.2 in |
|
| June |
69°F (20°C) |
5.6 in |
Wettest |
| July |
72°F (22°C) |
4.0 in |
Warmest |
| August |
70°F (21°C) |
4.2 in |
|
| September |
62°F (17°C) |
3.9 in |
|
| October |
50°F (10°C) |
2.9 in |
|
| November |
37°F (3°C) |
2.6 in |
|
| December |
25°F (-4°C) |
2.3 in |
|
Lake Summerset has a seasonal temperature swing of 53°F / from 19°F in January to 72°F in July. Total annual precipitation is 38.9 inches, with June being the wettest month (5.6") and February the driest (1.6").
Average costs for common services in Lake Summerset. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$250 ($150-$400) |
| Specialist Visit |
$350 ($200-$550) |
| Urgent Care Visit |
$200 ($100-$350) |
| Emergency Room Visit |
$2,200 ($800-$5,000) |
| Dental Cleaning |
$130 ($75-$200) |
| Dental Filling |
$250 ($150-$400) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$45 ($25-$75) |
| Oil Change (Synthetic) |
$75 ($50-$120) |
| Brake Pad Replacement |
$300 ($150-$500) |
| Tire Rotation |
$40 ($20-$75) |
| New Tires (Set of 4) |
$600 ($400-$1,000) |
| Battery Replacement |
$200 ($100-$350) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$100 ($60-$150) |
| Electrician (Per Hour) |
$90 ($50-$140) |
| HVAC Repair |
$400 ($150-$800) |
| HVAC System Install |
$7,000 ($4,000-$12,000) |
| Roof Repair |
$1,000 ($400-$2,000) |
| Roof Replacement |
$9,000 ($5,500-$15,000) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,500 ($500-$3,500) |
| Divorce (Contested) |
$15,000 ($5,000-$30,000) |
| DUI Defense |
$5,000 ($2,000-$10,000) |
| Bankruptcy (Chapter 7) |
$1,500 ($800-$3,000) |
| Will Preparation |
$500 ($200-$1,000) |
| Trust Preparation |
$2,500 ($1,000-$5,000) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15-$45) |
| Women's Haircut |
$55 ($30-$100) |
| Hair Coloring (Full) |
$150 ($75-$250) |
| Manicure |
$25 ($15-$45) |
| Pedicure |
$40 ($25-$65) |
| Massage (1 Hour) |
$80 ($50-$130) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.10 ($3.00-$5.50) |
| Dozen Eggs (per dozen) |
$3.50 ($2.50-$5.00) |
| Loaf of Bread |
$3.80 ($2.50-$5.50) |
| Chicken Breast (per lb) |
$4.50 ($3.00-$6.50) |
| Ground Beef (per lb) |
$5.50 ($4.00-$7.50) |
| Rice (per lb) |
$1.00 ($0.60-$1.80) |
View all 20 services
Utilities
| Electricity (Monthly) |
$140 ($80-$250) |
| Natural Gas (Monthly) |
$70 ($30-$150) |
| Water/Sewer (Monthly) |
$70 ($40-$120) |
| Internet (Monthly) |
$70 ($40-$100) |
| Cell Phone Plan (Monthly) |
$65 ($30-$100) |
| Cable TV (Monthly) |
$85 ($50-$150) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$200 ($75-$500) |
| Car Insurance (Annual) |
$2,000 ($1,200-$3,500) |
| Bus Pass (Monthly) |
$70 ($30-$130) |
| Taxi/Uber (5-Mile Ride) |
$15 ($8.00-$25) |
| Car Registration (Annual) |
$100 ($30-$250) |
| Driver's License Renewal |
$30 ($15-$75) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,200 ($600-$2,500) |
| Daycare (Toddler, Monthly) |
$1,000 ($500-$2,000) |
| After-School Care (Monthly) |
$400 ($200-$700) |
| Tutoring (Per Hour) |
$50 ($25-$100) |
| SAT/ACT Prep Course |
$1,000 ($400-$2,500) |
| Private School (K-12, Annual) |
$12,500 ($5,000-$30,000) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$60 ($30-$100) |
| Dog Vaccination (Annual) |
$100 ($50-$200) |
| Dog Grooming |
$60 ($30-$100) |
| Pet Boarding (Per Night) |
$40 ($20-$75) |
| Dog Spay/Neuter |
$300 ($150-$500) |
| Cat Spay/Neuter |
$200 ($100-$400) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,220 |
| Toddler | $931 |
| Preschool | $799 |
| Family Childcare (monthly) |
| Infant | $696 |
| Toddler | $741 |
| Preschool | $671 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Lake Summerset
What is the population of Lake Summerset?
Lake Summerset has a population of 2,240 residents and is located in Illinois. The population density is 1,057 people per square mile, spread across 2.1 square miles. The median age of residents is 46.1 years, which is older than the national median of 38.9 years. The population is 52.9% female and 47.1% male.
Is Lake Summerset expensive to live in?
Lake Summerset has a cost of living roughly in line with the national average, with an index of 100 (baseline: 100). The median household income is $105,588, 41% above the national average of $75,149. The median home value is $226,700 (20% below the U.S. median). Renters pay a median of $1,206 per month. The home price-to-income ratio is 2.1x, indicating housing is reasonably affordable relative to local income levels.
What is the weather like in Lake Summerset?
Lake Summerset has a four-season climate with an average annual temperature of 47°F (8°C). Winter temperatures average 19°F in January, while summers reach an average of 72°F in July. Annual rainfall totals 38.9 inches, with 37.3 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Lake Summerset?
The job market in Lake Summerset faces challenges, with unemployment at 9.6% / significantly above the national rate of 3.6%. The average weekly wage is $1,142. There are 5,870 business establishments in the area, including 623 restaurants and food service locations. The average commute time is 38 minutes, and 11.5% of workers work from home.
How much does housing cost in Lake Summerset?
The median home value in Lake Summerset is $226,700. Zillow estimates the typical home value at $259,436. According to Redfin, the median sale price is $218,500, with homes typically selling within 140 days. For renters, the median monthly rent is $1,206. Fair market rent is $854 for a 1-bedroom and $1,063 for a 2-bedroom apartment. The homeownership rate is 87.8%. The average annual property tax is $6,763.
How are the schools in Lake Summerset?
Schools in Lake Summerset have an average test score of 4.7 out of 10, below typical national benchmarks. Families may want to research individual school ratings. 29.5% of adults in Lake Summerset hold a bachelor's degree or higher, below the national average of 33.7%. 95.9% have completed high school. 8.1% hold a graduate or professional degree.
How healthy is Lake Summerset?
The obesity rate in Lake Summerset is 38.0% (above the national rate of 32.1%). 13.5% of adults are smokers. 20.2% are physically inactive. 24.2% of residents report depression. 2.5% lack health insurance (below the national rate). 90.0% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,423.
What is transportation like in Lake Summerset?
The average commute in Lake Summerset is 38 minutes, longer than the national average of 28 minutes. 82% of workers drive alone to work, and 11.5% work from home.
What are the demographics of Lake Summerset?
The racial and ethnic makeup of Lake Summerset is 98.7% White, 0.8% Black or African American, 4.6% Hispanic or Latino. 98.8% of residents speak only English at home. 7.9% of the population are military veterans. 12.6% of residents have a disability. 97.5% have health insurance coverage.