60045 ZIP Code — Lake Forest, IL

Lake County, Illinois

ZIP code 60045 is located in Lake Forest, Illinois, within Lake County. It covers approximately 21.31 square miles and serves a population of 21,159 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 847/224.

About ZIP code 60045

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $880,200. Owner-occupancy is high at 87%, well above the national average.

The gap between median ($201,847) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 4% is below the national average. 38% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with professional and management as the leading industry. The average commute of 34 minutes is near the national average. Remote work is prevalent — 25% of workers work from home.

Educational attainment is high — 81% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 60045 reflects a community defined by a highly educated population, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

21,159

population

21.31

sq mi land

Standard

ZIP type

Central (CT)

timezone

60045 ZIP code map

Cities in ZIP code 60045

Below are the cities the US Postal Service accepts for ZIP code 60045. Using any city not on this list may result in mail delivery delays.

City	Status
Lake Forest	Acceptable
Lake Forest	Preferred

Nearby ZIP codes

60044 Lake Bluff (3.4 mi) 60040 Highwood (3.8 mi) 60037 Fort Sheridan (4 mi) 60015 Deerfield (4.4 mi) 60069 Lincolnshire (4.5 mi) 60088 Great Lakes (4.8 mi) 60035 Highland Park (4.9 mi) 60048 Libertyville (5.1 mi) 60064 North Chicago (5.9 mi) 60086 North Chicago (6.1 mi) 60089 Buffalo Grove (6.5 mi) 60085 Waukegan (7.8 mi)

Demographics updated 06/2026

Population
Total population	21,159
Population density	993 / sq mi
State FIPS	17
County FIPS	097

Geography
Land area	21.31 sq mi
Water area	1.58 sq mi
Latitude	42.2401
Longitude	-87.8720
Timezone	Central (CT)
Area code	847/224

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	14.6%	26.6%	37.2%
$50k – $100k	14.9%	26.6%	29.6%
$100k – $200k	23.1%	28.9%	24.4%
Over $200k	47.3%	18.0%	8.8%

Demographics & statistics

21,159

Population

993

People per sq mi

45.2

Median age

$201,847

Median household income

$102,845

Per capita income

$880,200

Median home value

$1,998

Median monthly rent

87.4%

Home ownership

4.0%

Poverty rate

3.2%

Unemployment

7,085

Housing units

80.7%

Bachelor's or higher

Age distribution

Male Female

499

Under 5

528

530

5–9

561

640

10–14

677

863

15–19

912

876

20–24

926

852

25–34

900

855

35–44

904

1,361

45–54

1,439

776

55–59

821

563

60–64

595

1,269

65–74

1,341

849

75–84

898

352

85+

372

← Male

Female →

Age summary

Group	Count	%
Under 18	4,348	20.5%
18 and over	16,811	79.5%
65 and over	5,081	24.0%
Median age	45.2 years

Race & ethnicity

White 82.6%

Asian 6.1%

Two or more races 4.9%

Hispanic or Latino 3.5%

Other race 1.4%

Black or African American 0.9%

American Indian / Alaska Native 0.6%

Group	Count	%
White	18,114	82.6%
Asian	1,336	6.1%
Two or more races	1,073	4.9%
Hispanic or Latino	773	3.5%
Other race	298	1.4%
Black or African American	206	0.9%
American Indian / Alaska Native	132	0.6%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	14.6%	26.6%	37.2%
$50k – $100k	14.9%	26.6%	29.6%
$100k – $200k	23.1%	28.9%	24.4%
Over $200k	47.3%	18.0%	8.8%

Under $10k 2.6%

$10k–$15k 0.5%

$15k–$25k 2.0%

$25k–$35k 3.4%

$35k–$50k 3.3%

$50k–$75k 8.0%

$75k–$100k 7.6%

$100k–$150k 12.0%

$150k–$200k 9.7%

$200k+ 50.9%

Range	% of households
Under $10k	2.6%
$10k–$15k	0.5%
$15k–$25k	2.0%
$25k–$35k	3.4%
$35k–$50k	3.3%
$50k–$75k	8.0%
$75k–$100k	7.6%
$100k–$150k	12.0%
$150k–$200k	9.7%
$200k+	50.9%
Median income	$201,847

Housing

Home values

Under $50k 1.5%

$50k–$100k 1.0%

$100k–$150k 0.5%

$150k–$200k 0.9%

$200k–$300k 1.8%

$300k–$500k 12.5%

$500k–$1M 45.8%

$1M+ 36.0%

Housing overview

Metric	Value
Median home value	$880,200
Median rent / month	$1,998
Owner occupied	87.4%
Renter occupied	12.6%
Vacant	5.8%
Single-family detached	76.3%
Large apartment buildings	13.2%
Mobile homes	0.0%
Median rooms	8.3
Avg household size (owned)	2.70

Year built

Era	%
2020 or later	0.3%
2010–2019	5.4%
2000–2009	10.8%
1990–1999	13.4%
1980–1989	14.8%
1970–1979	15.2%
1960–1969	13.5%
1950–1959	11.8%
1940–1949	2.1%
1939 or earlier	12.7%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	5.4%
2 bedrooms	12.9%
3 bedrooms	25.6%
4 bedrooms	32.4%
5+ bedrooms	23.2%

Vehicles per household

Vehicles	% of households
No vehicle	4.3%
1 vehicle	23.8%
2 vehicles	47.8%
3 or more	24.1%

Heating fuel

Fuel type	%
Utility gas	83.6%
Electricity	15.6%
Propane / LP gas	0.3%

Households & families

Household type	Count	%
Married-couple family	5,016	66.2%
Cohabiting couple	340	4.5%
Male householder, no spouse	532	7.0%
Female householder, no spouse	1,685	22.3%
Households with children under 18	2,353	31.1%
Households with seniors (65+)	3,370	44.5%
Average household size	2.65

Marital status

Status	Male	Female
Never married	33.2%	24.9%
Married	61.3%	55.6%
Separated	0.4%	0.2%
Widowed	1.2%	10.6%
Divorced	3.8%	8.7%

Education

Less than 9th grade 0.6%

Some HS, no diploma 0.6%

HS graduate 4.9%

Some college, no degree 9.9%

Associate's degree 3.4%

Bachelor's degree 37.9%

Graduate / professional 42.8%

Metric	%
HS diploma or higher	98.9%
Bachelor's or higher	80.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	542	8.5%
Kindergarten	246	3.9%
Elementary school	1,953	30.8%
High school	1,257	19.8%
College / grad school	2,352	37.0%

Employment

Industry of employment

Professional & management 23.6%

Education & healthcare 21.7%

Finance & real estate 12.0%

Manufacturing 10.6%

Retail trade 7.5%

Arts, food & hospitality 5.8%

Other services 5.0%

Public administration 3.6%

Wholesale trade 3.5%

Transportation & utilities 2.6%

Construction 2.4%

Information 1.7%

Agriculture & mining 0.1%

Occupation

Category	%
Management, business & arts	66.5%
Service	8.7%
Sales & office	20.0%
Natural resources & construction	0.7%
Production & transportation	4.1%

Employment type

Type	%
Private sector	86.0%
Government	8.4%
Self-employed	5.5%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	50.2%
Carpool	2.5%
Public transit	13.5%
Walk	4.8%
Work from home	25.1%
Other means	3.8%
Avg commute (minutes)	33.8

Poverty

All people 4.0%

Under 18 years 3.4%

18 and over 4.1%

Married-couple families 2.1%

Female-led households 4.8%

Income support

Source	% of households
Social Security	37.8%
Retirement income	28.7%
Supplemental Security	2.0%
Cash public assistance	2.7%
Food stamps / SNAP	1.4%

Health indicators

Condition	%
Obesity	25.6%
High blood pressure	29.7%
High cholesterol	33.1%
Diabetes	8.1%
Heart disease	5.3%
Stroke	2.2%
Asthma	8.4%
Arthritis	24.4%
Kidney disease	2.4%
Pulmonary disease	4.3%
Cancer	8.0%

Behavior / access	%
Smoking	8.8%
Binge drinking	13.1%
No physical activity	15.8%
Less than 7 hrs sleep	25.5%
Depression	13.8%
Fair or poor health	8.1%
Poor mental health	9.4%
Poor physical health	6.6%
No health insurance	5.7%
Visited doctor (checkup)	79.1%
Visited dentist	80.8%
Cholesterol screening	93.9%
Teeth loss	6.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	623	3.7%

Disability	%
Any disability	10.4%
Under 18	2.3%
18–64 years	8.1%
65 and over	22.7%

Health insurance coverage

Type	%
Private insurance	87.5%
Public insurance	27.0%
No insurance	2.2%
Uninsured under 19	0.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	20,132	95.1%
Spanish	415	2.1%
Other Indo-European	65	0.3%
Asian & Pacific Islander	131	0.7%
Other languages	214	1.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	18,785	88.8%
Born in same state	18,555	87.7%
Born in different state	11,572	54.7%
Foreign born	230	1.1%
Naturalized citizen	2,374	11.2%
Not a US citizen	1,479	62.3%

Ancestry

Ancestry	Count	%
Italian	3,703	17.5%
French	2,775	13.1%
Arab	643	3%
Polish	436	2.1%
German	310	1.5%

Ancestry	Count	%
English	271	1.3%
Dutch	146	0.7%
Norwegian	82	0.4%
Irish	67	0.3%

Technology access

Metric	% of households
Computer access	35.8%
Internet access	97.7%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 60045

What city is ZIP code 60045 in?

ZIP code 60045 is primarily assigned to Lake Forest, Illinois.

What county is ZIP code 60045 in?

ZIP code 60045 falls within Lake County, Illinois.

How educated is the population of ZIP code 60045?

81% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 60045 mostly owner-occupied?

87% of occupied units in ZIP code 60045 are owner-occupied, well above the national average.

Does ZIP code 60045 have a large retiree population?

38% of households in ZIP code 60045 receive Social Security income, suggesting a significant retiree or disability population.

What is the median household income in ZIP code 60045?

The median household income in ZIP code 60045 is $201,847, above the national median of ~$75,000.

What timezone is ZIP code 60045 in?

ZIP code 60045 observes the CST timezone.