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Chicago condo months of supply February 2026
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ChicagoMarket Insights
Chicago Residential Real Estate Market Trends – Week 7

Chicago Residential Real Estate Market Trends – Week 7, 2026

The latest Chicago residential real estate market trends show declining pending sales, rising months of supply, and widening pricing gaps across Cook, DuPage, Lake, and Will Counties.

If you rely on defensible real estate appraisal analysis for litigation, lending, estate planning, or brokerage strategy, these trends directly affect risk exposure and value conclusions.

This market intelligence is based on Week 7 data ending February 13, 2026.

Executive Summary: A Market Tilting Toward Buyers

Week 7 data confirms continued softening across the Chicago residential landscape.

      • Cook County pending sales: -26.6% YoY
      • Lake County pending sales: -13.8% YoY
      • Single-family months of supply: Up as much as 40.6% YoY
      • 30-year mortgage rate: 6.09% (down 11.4% YoY)

You can verify national mortgage rate trends via the Freddie Mac Primary Mortgage Market Survey.

And historical 30-year fixed data on FRED: https://fred.stlouisfed.org/series/MORTGAGE30US

Lower financing costs typically stimulate activity. However, current Chicago residential real estate market trends show buyers remain cautious despite improved borrowing conditions.

Why this matters to you:
When absorption slows while inventory expands, appraisal support must carefully reconcile time adjustments, pricing pressure, and concession analysis.

Single-Family Homes: Supply Expansion Meets Demand Slowdown

Cook County

      • Active Inventory: 3,415 (-8.1% YoY)
      • Pending Sales: -26.6% YoY
      • Median Days on Market: 84 (+9.1%)
      • 25.8% of listings reduced price

Longer marketing times combined with widespread price reductions indicate negotiating leverage is shifting.

For attorneys and lenders, this affects:

      • Date-of-value defensibility
      • Retrospective appraisal exposure
      • Refinance underwriting risk

If your case or transaction requires court-defensible analysis, review how PahRoo structures litigation-ready appraisal reports, you can find out more from here: If Your Appraisal Gets Challenged, Does It Hold Its Ground?

DuPage County

      • Median Absorbed Price: $489,900 (-14.7% YoY)
      • Absorbed-to-List Ratio: 75%

A 75% absorbed-to-list ratio suggests significant discounting in upper-tier suburban segments.

For estate planning or partnership disputes, this means comparable selection must be segmented and time-supported, not averaged.

If you need a defensible residential appraisal for lending, litigation, or estate work, start here: Residential Home Appraisal Services

Will County

      • Inventory: +14.3% YoY
      • Months of Supply: +40.6% YoY

Rapid supply expansion without matching demand creates downward pricing pressure if Q2 stabilization fails.

For Chicago-area assignments requiring defensible, court-ready analysis, review our Chicago Real Estate Appraisals services.

Condominium Market: Mixed Signals

Condo segments present a more nuanced pattern within current Chicago residential real estate market trends.

Cook County Condos

      • Active Inventory: -9.7% YoY
      • Median Absorbed Price: -5.1% YoY
      • Days on Market: 70 (-9.1%)

Shorter marketing times contrast with price softening, suggesting selective buyer activity rather than broad strength.

Will County Condos

      • Inventory: +56.4% YoY
      • Months of Supply: +53.2% YoY

Oversupply risk is emerging in specific condo corridors.

If you’re handling probate, divorce, or estate assignments, market segmentation is critical. Learn how probate appraisal risk is addressed here: Chicago Probate Appraisal: A Legal Safeguard in 2026

Pricing Indicators Professionals Should Monitor

Key signals in these Chicago residential real estate market trends:

      • Absorbed-to-List below 100% in DuPage (75%) and Lake (77%)
      • 25.8% of Cook single-family listings reducing price
      • Days on market expansion in key submarkets
      • Declining pending-to-new-list ratios

These increase:

      • Refinance exposure
      • Litigation sensitivity
      • Estate tax defensibility risk
      • Broker pricing misalignment risk

When absorption weakens and supply expands, appraisal credibility depends on segmented data interpretation, not headline averages.

Interest Rates: A Cushion, But Not a Catalyst

The effective federal funds rate is 3.64% right now.

If you want to track rate movement (and cite it cleanly in a memo, underwriting file, or expert report), use these primary sources:

  1. Check the official benchmark on the New York Fed’s EFFR reference page
  2. Pull the historical trend line from FRED’s EFFR time series
  3. Confirm broader rate context on the Federal Reserve’s H.15 rates release

Here’s the key takeaway for decision-makers: cheaper money helps, but it doesn’t force buyers off the sidelines. Current Chicago residential real estate market trends show that even with easing borrowing costs, transaction velocity hasn’t snapped back.

Why? Buyers still act like they’re holding the remote. They’re waiting for clearer signals: pricing realism, job confidence, and the sense that they won’t overpay today for a market that could soften tomorrow.

Q2 2026 Outlook: Stabilization or Prolonged Buyer’s Market?

If:

      • Pending sales stabilize
      • Months of supply plateaus
      • Mortgage rates remain near 6%

The market may rebalance by late Q2.

If:

      • Inventory continues rising
      • Price reductions expand
      • Absorption weakens further

A prolonged buyer’s market becomes likely.

For attorneys, bankers, accountants, and brokers, this is where professional-grade real estate appraisal analysis protects you from unsupported assumptions and mispriced exposure.

Markets move fast. Risk moves faster. Stay informed with our Chicago Real Estate Market Insights and Weekly Analysis Updates.

Why These Chicago Residential Real Estate Market Trends Matter to You

You gain:

      • Early identification of pricing pressure
      • Stronger comparable support
      • Defensible time adjustments
      • Reduced underwriting or litigation exposure
      • Market-backed decision clarity

In a transitioning environment, precision matters.

Is your assignment, transaction, or case dependent on analysis that will actually hold up under scrutiny?

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Certified USPAP appraisal report for Chicago probate estate settlement. Hand protecting a property
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ChicagoMarket InsightsReal Estate
Chicago Probate Appraisal: A Legal Safeguard in 2026

A Chicago probate appraisal is no longer a formality. In early 2026, it has become a legal safeguard for executors, trustees, and the attorneys advising them. According to recent Chicago metro data, inventory is rising modestly, demand is uneven, and nearly three in ten listings have experienced price reductions, signaling buyer resistance and increased scrutiny on pricing assumptions.

Consequently, estates relying on outdated or surface-level appraisals expose themselves to audit risk, beneficiary disputes, and IRS challenges tied directly to Step-up in Basis reporting. The American Bar Association outlines these fiduciary responsibilities clearly in its Guidelines for Individual Executors and Trustees.

What the Chicago Market Is Signaling to Fiduciaries

Specifically, the Chicago-Joliet-Naperville MSA is transitioning from an ultra-tight sellers’ market into a more balanced phase. New listings surged week-over-week, while pending sales softened and days on market extended to a median of 77 days for both single-family homes and condos.

Furthermore, mortgage rates have declined nearly a full percentage point year-over-year, yet buyers remain selective. This disconnect means price stability on paper does not equal defensible fair market conclusions inside a certified probate report.

The insights shared here are based on a detailed Chicago market report prepared for probate and fiduciary use, and the full report is available for those who want to explore the data in more depth, you can check the report here.

Probate Appraisals Are About Defense, Not Optimism

For probate matters, optimism is irrelevant. Accuracy is the defense.

USPAP-compliant probate appraisals must reconcile:

    • Seasonality distortions common in January closings
    • Active price reductions that are not yet reflected in closed sales
    • Micro-market differences between Chicago neighborhoods and nearby suburbs

Therefore, a certified report prepared without real-time market awareness can misstate basis, complicate tax filings, and invite unnecessary scrutiny from the IRS or opposing counsel.

How PahRoo Supports Chicago Probate Matters

PahRoo prepares Chicago probate appraisals with attorneys and fiduciaries in mind. We analyze single-family and condominium trends separately, apply USPAP standards rigorously, and document every assumption with audit clarity. As a result, executors gain peace of mind, and advisors protect both the estate and their own professional exposure.

Schedule a Consultation

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Chicago mixed-use three-flat with commercial space showcasing residential and commercial market trends for November 2025.
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ChicagoMarket InsightsReal Estate
Chicago Real Estate Market Update: What Week 47 Data Means for Buyers & Sellers

The Chicago real estate market continues to cool as we approach the end of 2025, and the latest weekly data shows a clear shift in both buyer and seller behavior. For the week ending November 21, 2025, new listings dropped sharply, pending sales continued their decline, and days on market rose across many Chicago counties. Whether you’re planning to buy, sell, or invest, understanding these trends can help you make smarter decisions.  

 This week’s update covers Cook, DuPage, Lake, and Will Counties, summarizing what changed, why it matters, and how you can use the data to your advantage.

Chicago real estate market trends for Week 47 of 2025 showing declines in new listings and pending sales.

Inventory Tightens as New Listings Decline 

Across most Chicago-area counties, the number of homes for sale continues to shrink.
According to the data in the report: 

  • Single-family new listings dropped as much as 20.6% in Cook and 21.6% in Will County.
  • Condo listings declined by nearly 20% in Cook and 37% in Lake County.
  • Active inventory fell in Cook, DuPage, and Lake for single-family homes.

The only exception is Will County, which showed a 17.1% increase in active single-family inventory, a sign of local shifts or catch-ups from earlier shortages. 

What's In It For You

If you’re a seller in Cook, Lake, or DuPage County, you’re competing with fewer listings, giving your home more visibility. Buyers, however, may find fewer options and more competition in certain neighborhoods. 

Sellers can benefit from a professional appraisal to understand how current pricing trends impact their latest market value.

Pending Sales Drop as Buyers Hesitate 

Demand softened significantly: 

  • Single-family pending sales fell 20–36% year-over-year.
  • Condo pending sales dropped as much as 52% in some submarkets. 

Buyer hesitation reflects persistent affordability concerns and cautious sentiment due to mortgage rates and economic uncertainty. 

What's In It For You
  1. If you’re a buyer, slower sales mean negotiation power.
  2. If you’re a seller, expect longer timelines and be strategic with pricing. 

Data Cook, DuPage, Lake, and Will counties used in Chicago housing market analysis for 2025.

Mortgage & Federal Reserve Impact 
  • 30-year fixed mortgage rate: 6.26% (down 8.5% YoY)
  • Effective federal funds rate: 3.88%

While rates are lower than last year, they remain high enough to cool buyer activity. This aligns with the slower transaction volume and longer days on market. Current rate trends can be tracked through the Freddie Mac PMMS and Federal Reserve rate updates.

Pricing Trends: Softening but Strategic 

Price behavior is mixed: 

  • Single-family median list prices fell 1–4.5% across all counties.
  • Condos saw more price stability, with DuPage and Lake showing YoY gains in median list and absorbed prices.

Many submarkets also had higher percentages of price reductions, indicating active price negotiations.

What's In It For You
  1. Buyers may find more room to negotiate.
  2. Sellers should price competitively from the start to avoid unnecessary reductions. 
Homes Take Longer to Sell 

Days on market is a clear indicator of market speed: 

  • Single-family DOM increased by 12–33% in Cook, Lake, and Will.
  • Condos showed similar patterns, with many counties seeing 20% increases.

As shown in the Market Health tables, the slower pace reflects cautious buyers and the need for competitive pricing. 

Actionable Insights for Today’s Market 
  • Buyers → More negotiation power, slower pace, better value opportunities. 
  • Sellers → Less competition in some counties but must price strategically. 
  • Investors → A cooling market may present buying opportunities, especially where inventory is rising (e.g., Will County). 
The Market Wrap-Up 

The Week 47 Chicago real estate update reveals a market adjusting to interest rates, shifting consumer confidence, and evolving supply-and-demand dynamics. Well-priced, move-in–ready homes continue to attract attention, but buyers are taking their time, making data-driven strategies essential for both sides of the transaction. 

To understand how these trends affect your plans, request an appraisal or get your home’s valuation to see your standing in the current market.

 

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Chicago skyline representing Cook County tax incentives and property tax savings for advisors and businesses.
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ChicagoCommercial AppraisalsReal EstateResidential Appraisal
The Hidden Advantage of Cook County Property Tax Incentives

The Overlooked Advantage in Cook County

If you advise property owners, investors, or developers in Cook County, there’s a good chance you’ve heard of the county’s tax incentive programs, but surprisingly few people are actually taking advantage of them.

That’s a missed opportunity. In 2025 and beyond, these programs could become even more valuable as financing tightens and redevelopment projects face higher costs. Some of these incentives can cut property tax assessments by up to 90% for as long as 30 years and yet, they’re often left on the table.

Understanding these programs isn’t just about saving money. It’s about helping your clients make smarter, more strategic investment decisions.

Class 8 Micro: A 30-Year Tax Break for Small Businesses

Let’s start with one of the most underutilized tools: the Class 8 Micro Program.

This incentive offers a 10% assessment rate for up to 30 years for qualifying small businesses in designated “MICRO” districts. In plain terms, it can dramatically reduce property taxes, freeing up cash that can be reinvested into the business or property.

For advisors working with local entrepreneurs, small business owners, or investors eyeing redevelopment opportunities, this could be the edge that makes a deal possible.

Class 7d: Revitalizing Communities Through Grocery Incentives

Another incentive that’s quietly driving impact is the Class 7d grocery store program.

Designed to encourage grocery stores to open in underserved “food desert” areas, it offers similar tax relief to qualifying projects. It’s a win-win:

  • For communities, it brings fresh food access and local jobs.
  • For investors and developers, it lowers costs and aligns with the County’s equity-driven investment strategy.

If you’re advising clients on retail development, this program offers both financial advantage and social impact, something your clients will appreciate.

Post-COVID Incentives: What’s Changing Now

Some short-term programs introduced during COVID, like SER and TEERM, are winding down. But their influence hasn’t disappeared. They’ve changed how incentive renewals and compliance are managed, often introducing more documentation, review, and monitoring steps.

That means these aren’t simple DIY applications. Each program typically requires:

  • Municipal resolutions
  • Labor and wage compliance
  • Ongoing reporting and re-certification

In short, it’s not just about knowing the incentive exists, it’s about navigating the process effectively. That’s where your role as an advisor or tax professional becomes essential.

Why Timing and Guidance Matter

More clients are asking questions like: “Does this deal qualify for a Class 7 or 8 incentive?”

The advisors who can confidently answer that, or better yet, identify the opportunity before the client does, are the ones adding the most value.

By spotting eligibility early, you’re not only helping your clients save on taxes but also strengthening your advisory relationship. And in today’s competitive environment, that insight can set you apart.

Next Steps: Don’t Let Incentives Slip Away

If you’re advising a client on a redevelopment or acquisition in Cook County, now is the time to revisit the tax-incentive options. At PahRoo Appraisal & Consultancy we help property owners, investors and advisors evaluate eligibility for the Class 7, Class 8 and Micro programs.

For the official eligibility requirements, the Cook County Assessor’s Office maintains a full list of incentives and application forms.

Don’t let this kind of savings slip away, claim your tax-break advantage now and turn opportunity into client value.

➤ Get Your Eligibility Review Today

 

 

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House made of dollar bills representing Chicago home appraisal value and loan approval rates
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ChicagoHomeowner Guides & TipsReal EstateResidential Appraisal
How a Chicago Home Appraisal Shapes Your Loan Approval & Interest Rate

Did you know? Your home’s appraised value can shape everything from your loan approval to your interest rate and whether you’ll need mortgage insurance. If you’re buying or refinancing in Chicago, the right appraisal helps you qualify for the financing you want on terms that work for your budget.

How a Chicago Home Appraisal Affects Your Loan

An appraisal is an independent, professional opinion of market value used by lenders to help size the loan. It compares your property to recent nearby sales, factors in location and condition, and reflects current market trends. In short: the appraised value is a key input your lender uses to determine how much they’re willing to lend and under what conditions.

Why Your Appraisal Value Impacts LTV, Rates & PMI

Your appraised value drives your loan-to-value (LTV) ratio, which is the loan amount divided by the appraised value. A lower LTV generally means stronger financing options often better rates and, for many conventional loans, the ability to avoid or remove private mortgage insurance (PMI). A higher LTV can limit your choices, add PMI, or require additional cash to close. That’s why accuracy and local market expertise are so important.

Chicago Home Appraisal: Key Factors That Influence Value
  • Comparable Sales (“Comps”): Recent, nearby, similar properties set the benchmark.
  • Condition & Updates: Clean, well-maintained homes with quality improvements can support higher value.
  • Location & Amenities: School districts, transit, parks, and neighborhood trends matter.
  • Market Velocity: Inventory levels and days-on-market affect how comps are weighed.
If Your Chicago Home Appraisal Comes In Low

It happens. If value lands below the contract price, you and your agent can consider options like seller concessions, a price reduction, or additional cash. In some cases, your lender may offer a reconsideration of value process if there are material issues with comps or data. Either way, a clear, well-supported report keeps decisions grounded in facts.

How Local Chicago Appraisal Expertise Helps You

Chicago is a neighborhood-by-neighborhood market. Our appraisers bring deep, local insight, understanding how a block’s housing stock, school boundaries, or the latest transit extension can shift value. We apply rigorous, unbiased methods and communicate clearly with your lender so you can move forward with confidence.

  • Unbiased, credible reports: Built to meet lender guidelines and withstand underwriting review.
  • Neighborhood-level detail: Comps and adjustments reflect real, local dynamics.
  • Transparent communication: We explain the “why” behind the value so you’re not left guessing.
How to Prepare for a Chicago Home Appraisal
  • Tidy and repair: Fix obvious items (leaks, loose rails), declutter living areas, and ensure easy access.
  • List improvements: Provide dates and details (roof, HVAC, windows, kitchens/baths, energy upgrades).
  • Share your comps: If you or your agent have relevant recent sales, have them ready for consideration.
  • Highlight location perks: New amenities, school changes, or neighborhood projects can be value-positive.
Know Your Appraisal Rights & Resources

You’re entitled to a copy of the appraisal used in your mortgage review, and you should read it carefully.

For a plain-English explanation of what an appraisal is and why it matters, see the Consumer Financial Protection Bureau’s guide:
What are appraisals and why do I need to look at them?

When You Need a Trusted Chicago Appraiser

If you’re buying, selling, or refinancing in Chicago, partnering with a local expert can make a measurable difference. An accurate, defensible report helps align expectations, reduce friction with underwriting, and set you up for better loan terms.

 

Chicago Home Appraisal FAQs
Who orders the appraisal? 
Typically the lender orders it through an appraisal management process to ensure independence.
Can I challenge an appraisal? 
If there are material errors or stronger comps, your lender may consider a reconsideration of value request. 
Ask your loan officer for their process.
Do I always need an appraisal? 
Most mortgages do, though certain streamlined or special-program refinances may receive appraisal waivers 
at the lender’s discretion.

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ChicagoMarket Insights
Chicago Housing Market Update: September 2025 Trends

Chicago Housing Market Update – September 2025

Chicago’s suburban housing market in September 2025 showed mixed signals. Buyers and sellers across Cook, DuPage, Lake, and Will Counties experienced different conditions in pricing, inventory, and sales activity. Here’s what you need to know if you’re planning to buy or sell this fall.

Single-Family Trends
Inventory & New Listings

In Cook County, active inventory dropped 4.9% year-over-year, limiting buyer choices. DuPage saw a sharper decline, with listings down 33.8%. Meanwhile, Lake County offered some relief with a 21.2% increase in new listings, and Will County surged with 26.6% more homes on the market.

What this means for you: Buyers will find more options in Will and Lake Counties, while DuPage remains tight and competitive.

Buyer Demand & Pending Sales

Pending sales were down across the board: Cook (-18.6%), DuPage (-15.4%), Lake (-20.8%), and Will (-26.2%). This shows softer buyer demand despite some week-to-week improvements.

Takeaway: Sellers should be prepared for longer market times and more negotiations.

Home Prices & Value Trends

Prices showed a mixed picture. Cook’s median list price fell 4.9% to $341,400. DuPage held steady with a 2.6% increase to $624,900. Lake dropped 6.6% to $559,900, while Will’s absorbed price slipped 11.3% to $385,000.

What this means for you: Buyers in Lake and Will may see more negotiating room, while sellers in DuPage are holding stronger ground.

Chicago Condo Market 2025 – Suburban Trends
Inventory & Seller Activity

Cook’s condo inventory shrank by 7.5% with fewer new listings, making it harder for buyers to find options. By contrast, DuPage saw a 15.5% increase, and Will County jumped 41.7%, suggesting sellers are more active there.

Takeaway: Buyers have the most choices in Will and DuPage, while Cook remains tight.

Sales & Market Absorption

Pending sales fell in every county, with Cook down 26% and DuPage down 13.2%. Absorption rates also dropped, especially in DuPage (-24.8%) and Will (-34.9%), showing slower turnover.

Condo Pricing Insights

Prices varied: Cook dipped 6% ($315,000), while DuPage rose 10.8% ($299,000). Lake and Will saw modest increases of 1.1% and 3.8%, respectively.

What this means for you: Buyers in Cook may have more leverage, while DuPage remains competitive with rising condo prices.

Chicago Housing Market 2025 – Buyer & Seller Outlook

For Buyers: Will County (homes) and Cook County (condos) present more opportunities thanks to increased inventory or softer prices. Patience could give you an edge in negotiations.

For Sellers: DuPage offers stronger pricing power. Sellers in Will and Lake should be flexible to stay competitive in slower markets.

Financing: Mortgage rates are still elevated around 6.26%. While the Fed funds rate dropped, affordability remains tight. This keeps buyers cautious but creates room for negotiation.

Here’s the bottom line on what the numbers mean this month:
  • Will County: More homes are on the market and prices are softer, which creates opportunities for buyers to negotiate.
  • DuPage County: Fewer listings are keeping supply tight, helping sellers maintain stronger pricing power.
  • Cook County condos: With shrinking inventory and slower sales, cautious buyers may find room to bargain.
  • DuPage condos: Despite higher supply, prices continue to climb—giving sellers the upper hand.
Request an Appraisal
View Market Reports
Learn Your Home’s Value

 

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ChicagoMarket InsightsReal Estate
Chicago Housing Market Update: August 2025 Brings Buyers More Leverage
Chicago housing market August 2025 county comparison – Cook, DuPage, Lake, Will
Chicago Housing Market Update: What’s Really Happening This Month

The Chicago-area housing market is cooling as we move through late summer 2025. Across Cook, DuPage, Lake, and Will counties, homes are taking longer to sell, buyers have more room to negotiate, and sellers are facing tougher decisions on pricing.

So, what does that mean for you if you’re buying, selling, or investing this year? Let’s break it down.

What You Need to Know About the August 2025 Market
  • More Homes on the Market – Inventory is climbing in most counties, giving buyers more options.
  • Slower Sales – Pending sales dropped across the board, with DuPage and Cook seeing the steepest declines.
  • Buyer’s Market – Absorption rates fell below 20% everywhere, signaling buyers are firmly in control.
  • Condo Resilience – Cook County’s condo inventory is actually shrinking, even as suburban counties flood with new listings.

Nationally, home sales have also slowed, with the National Association of Realtors reporting a similar cooling trend across major metro areas.

Curious about how these trends impact appraisals? Check out our FAQ page for quick answers.

County-by-County Breakdown

Cook County

Cook County is still the most affordable entry point in the metro area, with the median list price at about $339,000. Inventory is holding steady, which means buyers here can find options without the crazy bidding wars of the past few years.

DuPage County

Despite the market cooldown, DuPage is holding strong. With a median list price near $620,000 and shrinking inventory, this remains one of the most competitive submarkets.

Lake County

Lake County sits somewhere in the middle. Prices have softened a bit, and sales are slower than last year, but not dramatically so.

Will County

Will County is where the shift is most obvious. Inventory jumped 25% year over year, while buyer activity slowed way down. Homes are sitting longer, and price cuts are becoming more common.

What About Condos?

While single-family homes are cooling quickly, condominiums tell a different story. Cook County condo inventory actually dropped (-3.8% YoY), making the downtown and city-adjacent condo market more stable.

In contrast, suburban condo inventory, especially in Will County (+48.6%) is rising fast, creating more options for buyers outside the city.

What This Means for Buyers and Sellers
  • For Buyers: This is one of the best times in years to negotiate. More listings, longer days on market, and softer pricing trends put you in control.
  • For Sellers: Pricing matters more than ever. Overpricing can lead to longer time on market and forced price cuts. A professional appraisal can help you set the right price from day one.

With mortgage rates hovering around 6.5%, according to the latest Freddie Mac survey, buyers are balancing higher borrowing costs with increased inventory.

Looking for guidance on how appraisals support real estate decisions? Explore our Appraisal Services page.

PahRoo’s Take: Confidence Through Clarity

At PahRoo Appraisal & Consultancy, we understand how local market shifts impact your property’s value. Our certified appraisers bring Chicago-specific expertise and unbiased valuations you can trust, whether you’re buying, selling, refinancing, or managing an estate.

 

Request an appraisal today

 

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