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Reviewed by Joshua P. Haid, Managing Partner

Chicago Property Division Lawyers for Women

When a marriage ends, one fear surfaces fast: will I be left with nothing? You may wonder whether you will keep your home, whether your retirement is safe, or whether your spouse will quietly move money out of reach before anything is divided. Those worries are real — but the law is not designed to leave you with nothing, and the right attorney makes sure it does not.

Illinois divides property by equitable distribution under 750 ILCS 5/503. That means marital property is divided fairly — which is not the same as equally, and not the 50/50 split many people assume. Illinois is not a community property state. The court divides only marital property, generally what was acquired during the marriage, while non-marital property — what you brought into the marriage, inherited, or received as a gift — remains yours. What counts as marital, what it is truly worth, and what is fair are the questions that decide your financial future.

The Women’s Divorce & Family Law Group by Haid and Teich LLP has protected women’s financial futures in Chicago divorces for more than 15 years — the first firm in the area built around women’s and mothers’ rights, recognized as Super Lawyers from 2016 through 2025 and featured in O, The Oprah Magazine and ELLE. Managing partner Joshua P. Haid built his career on business litigation, which is exactly what it takes when a spouse tries to hide, undervalue, or move assets before they are divided. Your fair share should reflect the full, true picture — and we make sure it does.

Protect your home, your savings, and your fair share. Talk with a Chicago property division lawyer who represents women — free, confidential consultation, call 312-445-8830.

What is really at stake: your home, your savings, your security

Property division is not just paperwork — it is the financial foundation of your life after divorce. It is your home, your retirement, the savings you counted on. For a woman, the fears are specific and valid: losing the house your children have grown up in, walking away with far less retirement than you earned, or discovering too late that your spouse understated income or hid accounts. If your spouse controlled the finances, you may not even know the full picture of what you own. What is at stake is your security for years to come — which is why the classification of what is marital, the honest valuation of every asset, and the discovery of anything hidden matter so much. Our work is to make sure the division is built on the truth and that your share is genuinely fair.

How is property divided in an Illinois divorce?

Illinois uses equitable distribution (750 ILCS 5/503), meaning the court divides marital property fairly rather than automatically in half — Illinois is not a community property state. First, the court classifies each asset as marital or non-marital: marital property is generally what was acquired during the marriage, regardless of whose name is on it, while non-marital property includes what you owned before the marriage, inheritances, and gifts. Then it divides the marital estate by weighing factors such as each spouse’s contributions to the marriage, including as a homemaker, the length of the marriage, and each person’s economic circumstances. Because the standard is fairness, how your contributions and needs are presented has a direct effect on what you receive.

Who gets the house in a divorce in Illinois?

It depends on the full financial picture, and there is no automatic answer. The marital home is one of the assets divided under equitable distribution. In practice, there are usually three paths: one spouse keeps the home by buying out the other’s share, one spouse keeps it by offsetting its value with other assets like retirement accounts, or the home is sold and the proceeds divided. When children are involved, keeping them in the family home is often a priority the court will weigh, which can support a mother’s request to remain there. Which path is right depends on your finances and your goals — and it is worth planning carefully rather than fighting for a house you cannot comfortably keep.

How we protect your fair share

From the first meeting, our focus is your financial security — a division built on the truth, not on your spouse’s version of it. We identify and classify every asset, so that what is rightfully yours stays yours and the marital estate is fully accounted for. Where a spouse is self-employed, controls a business, or may be concealing assets, we use financial discovery, subpoenas, and forensic accountants to find and value what is really there — and where marital money was wasted on an affair or spent as the marriage broke down, we pursue it as dissipation under 750 ILCS 5/503(d)(2). For divorces involving significant or hard-to-value assets — business interests, stock options, deferred compensation — see our work on complex property division. Whatever your situation, our job is to make sure you walk away with the fair share you are entitled to.

Related: Chicago Divorce · Complex Property Division · Retirement & Investment Accounts · Spousal Support

Your financial future is worth protecting. Reach out for a free, confidential consultation.

Frequently Asked Questions

Is Illinois a community property state?

No. Illinois is an equitable distribution state, not a community property state. Under 750 ILCS 5/503, marital property is divided fairly, which is not necessarily 50/50. The court weighs factors including each spouse’s contributions to the marriage, its length, and each person’s economic circumstances. Community property states split most marital assets evenly; Illinois instead aims for a division that is fair based on the facts of your case.

How is marital property divided in an Illinois divorce?

Illinois divides marital property by equitable distribution (750 ILCS 5/503). The court first classifies property as marital or non-marital, then divides the marital estate fairly, weighing each spouse’s contributions — including as a homemaker — the length of the marriage, and each person’s financial circumstances and needs. “Equitable” means fair, not automatically equal, so the outcome depends on the facts and how they are presented.

Who gets the house in a divorce in Illinois?

It depends on the overall division of assets. The marital home is divided like other marital property, so one spouse may keep it by buying out the other’s share or offsetting its value with other assets, or the home may be sold and the proceeds split. When children are involved, keeping them in the family home is often a priority the court considers, which can favor a mother’s request to stay there.

What is the difference between marital and non-marital property?

Marital property is generally anything acquired by either spouse during the marriage, regardless of whose name is on it — including the home, income, and retirement contributions earned during the marriage. Non-marital property includes what you owned before the marriage, along with inheritances and gifts received individually. Only marital property is divided; non-marital property stays with its owner — though it can lose that protection if it is commingled with marital assets.

Is property split 50/50 in an Illinois divorce?

Not necessarily. Because Illinois is an equitable distribution state, marital property is divided fairly, which may or may not be equal. Depending on the circumstances, a fair division could be 50/50, or it could be 60/40 or another split, based on factors like each spouse’s contributions, the length of the marriage, and each person’s economic situation after divorce.

What happens if my spouse hides assets or wasted our money?

Illinois law addresses both. When a spouse conceals or undervalues assets, we use financial discovery, subpoenas, and forensic accountants to uncover the truth, and courts can penalize a spouse who hides assets. When marital money was spent for a non-marital purpose as the marriage broke down — for example on an affair — it can be charged back as dissipation under 750 ILCS 5/503(d)(2), effectively crediting the wasted amount to your side of the division.

What happens to retirement accounts and pensions in a divorce?

Retirement savings earned during the marriage are generally marital property subject to division, even though only one spouse’s name is on the account. Dividing a 401(k) or pension usually requires a court order called a QDRO so the transfer happens without early-withdrawal penalties or taxes. Because retirement is often one of the largest marital assets, protecting your share matters — see our page on retirement and investment accounts in divorce.

How are debts divided in an Illinois divorce?

Debts are treated much like assets. Debt taken on during the marriage is generally marital and divided equitably between the spouses, while debt one spouse brought into the marriage usually stays with that spouse. The court considers who incurred the debt, who benefited from it, and each spouse’s ability to pay, so you are not automatically left responsible for obligations that are not fairly yours.

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