Lake SummersetIL
A town of 2,364.
Is Lake Summerset a good place to live?
Lake Summerset’s best subject grade is a B+ for schools; its weakest is a C− for walkability. 35% of residents are 65 or older in Lake Summerset, above both the Illinois town median (19%) and the median of U.S. towns (18%). Only 80 of Illinois’ 1,285 towns score higher on hazard risk. No town in Illinois scores lower than Lake Summerset on the outdoors. Lake Summerset has fewer than 2,500 residents, so it gets subject grades but no overall grade.
What makes Lake Summerset stand out
Where Lake Summerset beats most towns.
Lake Summerset has grown 14% from 2010 to 2020
2,048 counted in 2010 and 2,342 in 2020.
U.S. Census 2010 & 2020 counts
How Lake Summerset grades
Each subject compared with towns across the country (schools within Illinois), ordered by how far Lake Summerset is from typical.
How TownRatings grades towns →
Moving to Lake Summerset: who provides what
Lake Summerset is unincorporated, so Stephenson County and regional agencies provide most services.
EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Sep 12, 2025.
The data
Ordered by what stands out in Lake Summerset.
Older than Illinois overall
People 65 and older are 35% of residents (17% statewide); adults 35 to 64 are 30% of residents (39% statewide). Lake Summerset’s median age is 45.1 years, against 40.7 years in Illinois’ towns and 40.5 years across U.S. towns. 31% of adults 25 and older have a bachelor’s degree or more, vs 38% across Illinois.
| Lake Summerset | Illinois towns | U.S. towns | |
|---|---|---|---|
| Median age | 45.1 years | 40.7 years | 40.5 years |
| Bachelor’s degree or more, 25+ | 31% | 29% | 29% |
Ages · share of residents
Education · adults 25 and older
Women and men · all residents
48% women, 52% men
That’s an even split within the survey’s margin of ±4.5 points. Across Illinois, 50.6% of residents are women.
| Lake Summerset | IL | U.S. | |
|---|---|---|---|
| Under 10 | 4.8% | 11.5% | 11.6% |
| 10 to 17 | 15.4% | 10.4% | 10.3% |
| 18 to 24 | 5.9% | 9.1% | 9.1% |
| 25 to 34 | 9.3% | 13.6% | 13.7% |
| 35 to 44 | 14.4% | 13.3% | 13.2% |
| 45 to 54 | 9.6% | 12.4% | 12.2% |
| 55 to 64 | 5.6% | 12.8% | 12.7% |
| 65 to 74 | 19.6% | 10% | 10.2% |
| 75 and older | 15.3% | 7% | 7% |
| No diploma | 4.2% | 9.5% | 10.4% |
| High school | 21.6% | 25.1% | 26% |
| Some college | 28% | 19.2% | 19.1% |
| Associate’s | 15.7% | 8.3% | 8.8% |
| Bachelor’s | 19.7% | 22.6% | 21.6% |
| Graduate | 10.8% | 15.3% | 14.1% |
U.S. Census Bureau · ACS 2020-2024 5-year estimates · in a town of 2,400, single groups can be off by several points
Lake Summerset faces a very low natural-hazard risk, led by inland flooding
Expected storm and flood damage is lower than in 83% of U.S. communities.
FEMA National Risk Index · OpenFEMA
Lake Summerset stands out in Illinois and nationally, with fewer of its working residents who work locally
0.6% of Lake Summerset working residents work locally. Among 769 Illinois towns, just 4 have a higher average trip to work than Lake Summerset. 3% of Lake Summerset residents live below the poverty line.
| Lake Summerset | Illinois towns | U.S. towns | |
|---|---|---|---|
| Average trip to work | 40 minutes | 26 minutes | 25 minutes |
| Below the poverty line | 3% | 8.4% | 9.6% |
| Median household income | $108,000 | $83,000 | $80,000 |
| Working residents who work in town | 0.6% | 8.3% | 8% |
Where working residents work
Census LEHD 2023 · ACS
Four seasons and pleasant summers in Lake Summerset
Lake Summerset has cold, snowy winters and pleasant summers. The July high in Lake Summerset is 83°F.
Typical low → high °F
NOAA U.S. Climate Normals, 1991–2020
A larger share of adults had a checkup this year in Lake Summerset than in most of Illinois or the rest of the country
82% of adults had a checkup this year in Lake Summerset. Lake Summerset beats the Illinois average on 10 of 32 CDC measures and trails it on 9. 6.4% of adults 18 to 64 have no health insurance in Lake Summerset.
| Lake Summerset | Illinois towns | U.S. towns | |
|---|---|---|---|
| High blood pressure (CDC PLACES) | 42% | 35% | 35% |
| Yearly checkup (CDC PLACES) | 82% | 78% | 79% |
| Frequent mental distress (CDC PLACES) | 15% | 17% | 17% |
| Sleep under 7 hours (CDC PLACES) | 32% | 35% | 36% |
| What stands out | Lake Summerset | IL |
|---|---|---|
| Fewer adults facing housing insecurity | 7.8% | 13.2% |
| Fewer adults facing food insecurity | 9.6% | 15.9% |
| More adults who have had cancer | 12.8% | 7.6% |
CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA
The median home in Lake Summerset sells for about $276K
Zillow Home Value Index · Redfin Data Center
BMO Center and 6 more within 40 miles
Museums, parks, gardens and other places to visit around Lake Summerset. Close and well known come first.
20 mi Stadium & arenaBMO Center
20 mi GardenAnderson Japanese Gardens
20 mi GardenKlehm Arboretum and Botanic Garden
30 mi MuseumChana School
19 mi MuseumAngel Museum
19 mi GardenDon Opel ArboretumPhoto credits
BMO Center: SimLibrarian, CC0 · Anderson Japanese Gardens: M. Readey, CC BY-SA 3.0 · Klehm Arboretum and Botanic Garden: KlehmArboretum, CC BY-SA 4.0 · Chana School: Ben Jacobson (Kranar Drogin), CC BY 2.5 · Angel Museum: Unknown, Public domain · Don Opel Arboretum: Cillas, CC BY-SA 4.0
Everything we know about Lake Summerset
Colleges nearby
None within 15 miles of Lake Summerset; the nearest are
About 2 of every 100 Lake Summerset residents are enrolled in college, against 6 across Illinois.
99% of working residents leave Lake Summerset for work
Where Lake Summerset’s working residents go each day. Line width shows the share.
Census LEHD 2023
About Lake Summerset
Census Designated Place in Illinois, United States
Lake Summerset is a census-designated place (CDP) in Stephenson and Winnebago counties in Illinois. The population was 2,342 at the 2020 census.
From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)
- Area
- 2.5 sq mi
- Elevation
- 823 ft
- Area code
- 815
Lake Summerset’s neighbors
One town shares a border with Lake Summerset.
| Town | IL rank | Overall | Cost | Safety | Schools | Health |
|---|---|---|---|---|---|---|
| Lake Summerset | — | — | C | — | B+ | B |
| Rock Grove Township | — | — | C | — | A− | B |
Lake Summerset and Rock Grove Township have fewer than 2,500 residents, so they get subject grades but no overall grade. Lake Summerset and Rock Grove Township report no FBI crime data of their own. Compare Lake Summerset with a neighbor →
Questions about Lake Summerset
Short answers, built from the data on this page.
Is Lake Summerset, IL expensive?
The typical home is worth about $237,000, 20% below the Illinois typical home. Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades C.