With a 90k income, homeownership in Illinois might be more challenging, especially in Chicago. Financial advisors recommend spending about 3 to 4 times your annual income on a home, setting your budget between $270,000 and $360,000.

However, the median home price in Chicago is approximately $400,000, which exceeds your maximum affordability range. This suggests that the major market may be less accessible at your current income level.

That said, more affordable options may be found in other areas such as Aurora and Naperville, where prices average around $350,000. Illinois has a property tax rate of 2.35%, or roughly $9,400 per year on an average home. Considering a cost of living near the national average, you might need to explore alternative locations or financing strategies to meet your homeownership goals.