In Aurora, a typical home is worth $274,800 and typical rent is $1,596 a month. Compared with all of Kane County, the typical home value is 16% lower, typical rent is 10% higher, and the share of households that own their home is 10 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $238,299 to $323,277.
Typical rent
$2,294a month
▲ 3.2% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,712 to $2,294.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Aurora is in Kane County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Kane County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Batavia, the typical rent is $1,347: 16% less than in Aurora ($1,596).
2
The typical home in Aurora is worth $274,800,16% less than in Kane County as a whole ($327,000).
3
66% of households in Aurora own their home, against 76% in Kane County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Aurora
What homes there are in Aurora, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Aurora
Kane County
Illinois
United States
Kind of home: Aurora and its comparisons
Measure
Aurora
Kane County
Illinois
United States
Detached house
59%
69%
58%
61%
Attached house
17%
12%
6%
6%
Building of 2 to 4
9%
7%
12%
8%
Apartments (5 or more)
16%
12%
22%
19%
Mobile home
0%
1%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Aurora, 6 in 10 homes are single-family detached houses; in Kane County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Aurora
Kane County
Illinois
United States
Year built: Aurora and its comparisons
Measure
Aurora
Kane County
Illinois
United States
Before 1960
25%
24%
38%
26%
1960–1979
18%
21%
26%
24%
1980–1999
33%
25%
20%
25%
2000–2009
20%
21%
11%
14%
2010 or later
5%
8%
6%
11%
By age, homes in Aurora look like those in Kane County: the typical year built is 1987.
There are fewer big homes in Aurora than in Kane County: 61% have 3 bedrooms or more, against 68%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K4%
$100K–$200K18%
$200K–$300K36%
$300K–$500K33%
$500K–$750K7%
FHA limit: $541,287
$750K–$1M1%
$1M or moreUnreliable
Value of owner-occupied homes: Aurora and its comparisons
Measure
Aurora
Under $100K
4%
$100K–$200K
18%
$200K–$300K
36%
$300K–$500K
33%
$500K–$750K
7%
$750K–$1M
1%
$1M or more
Unreliable estimate
By price, most homes in Aurora sit under the FHA limit for Kane County ($541,287): about 92%.
Monthly rent with utilities
Under the limitOver the limit
Under $5004%
$500–$99910%
$1,000–$1,49931%
$1,500–$1,99928%
$2,000–$2,49921%
HUD fair market rent, 2 bedrooms: $2,011
$2,500–$2,9994%
$3,000 or more2%
Monthly rent with utilities: Aurora and its comparisons
Measure
Aurora
Under $500
4%
$500–$999
10%
$1,000–$1,499
31%
$1,500–$1,999
28%
$2,000–$2,499
21%
$2,500–$2,999
4%
$3,000 or more
2%
By rent, most homes in Aurora cost less than HUD's 2-bedroom fair market rent ($2,011): about 73%.
With a mortgage
$1,995 a month
Kane County: $2,256 a month
Without a mortgage
$850 a month
Kane County: $958 a month
Owners with a mortgage
69%
Kane County: 67%
The typical cost for an owner with a mortgage in Aurora is $1,995 a month, less than in Kane County ($2,256); without one, $850.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Aurora+49%
Kane County+37%
Illinois+35%
United States+53%
Typical rent
Aurora+30%
Kane County+27%
Illinois+26%
United States+33%
Typical household income
Aurora+31%
Kane County+30%
Illinois+27%
United States+29%
Change since 2015–2019: Aurora and its comparisons
Measure
Aurora
Kane County
Illinois
United States
Typical home value
+49%
+37%
+35%
+53%
Typical rent
+30%
+27%
+26%
+33%
Typical household income
+31%
+30%
+27%
+29%
Since 2015–2019, homes in Aurora gained value faster than in Kane County: 49% against 37%.
Rents in Aurora rose faster than in Kane County: 30% since 2015–2019, against 27%.
While home values in Aurora changed +49% and rent +30%, the typical household income rose 31%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Aurora and its comparisons
Measure
Aurora
Kane County
Illinois
United States
Rental vacancy
3.2%
3.1%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
1.0%
0.9%
More than one person per room
4.2%
3.0%
2.5%
3.4%
People per household
2.91
2.77
2.46
2.53
Drive alone
67%
71%
66%
69%
Carpool
11%
9%
8%
9%
Public transit
3%
2%
6%
3%
Walk or bike
2%
1%
3%
3%
Work from home
16%
16%
16%
15%
Other means
1%
2%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Open rentals in Aurora look like those in Kane County: the rental vacancy rate is 3.2%.
More households are short on space in Aurora: 4.2% have more than one person per room; in Kane County, 3.0%.
Households in Aurora are bigger: 2.91 people on average; in Kane County, 2.77.
The car rules in Aurora: 67% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Aurora?
A typical home is tight for the typical income
We start with a typical home in Aurora, worth $274,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Aurora, which is $93,633 a year. For that payment to be 28% of income, a household would need to earn about $110,830 a year.
The calculator's FHA and conventional loan limits are those of all of Kane County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Aurora. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $9,618 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,586
at 7.18% · 30 years
Loan amount
$269,823
Total interest
$388,212
Paid off in
November 2056
Includes $4,641 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,185 a month
Tight
$2,185 to $2,809 a month
Your payment · 33%
Hard
more than $2,809 a month
Compared with the typical household income in Aurora ($93,633 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,828
Property tax
$522
Home insurance
$115
FHA mortgage insurance (MIP)
$122
You need at least $9,618 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $2,586; principal and interest $1,828.
The city and its county
Aurora and Kane County
Aurora is in Kane County, Illinois. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Aurora
Map of Kane County, Illinois, with Aurora marked. Around it, the neighboring counties.
Aurora
Kane County
Other cities with a page
Aurora's own numbers
Typical home value
$274,800
Typical monthly rent
$1,596
Typical yearly household income
$93,633
Households that own their home
66%
Effective property tax rate
2.28%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Kane County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,011
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
1%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Kane County.
A typical home in Aurora is worth $274,800: 16% below the county and 4% above Illinois. With the typical household income in Aurora ($93,633 a year), a typical home costs 2.9 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Aurora2.9 years
Kane3.2 years
Illinois3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Kane County
According to FHFA’s house price index, home prices in Kane County rose 82% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Kane County.
Yearly change in FHFA’s price index in Kane County, 2016 to 2025
2016: +4.1% +4.1% 2016
2017: +4.0% +4.0% 2017
2018: +3.5% +3.5% 2018
2019: +2.9% +2.9% 2019
2020: +1.1% +1.1% 2020
2021: +9.6% +9.6% 2021
2022: +14.7% +14.7% 2022
2023: +9.3% +9.3% 2023
2024: +7.1% +7.1% 2024
2025: +5.8% +5.8% 2025
Change in FHFA’s price index in Kane County, Illinois and the United States
Period
County
Illinois
U.S.
Last year (2025)
+5.8%
+5.7%
+2.9%
5 years (2020–2025)
+56%
+47%
+47%
10 years (2015–2025)
+82%
+65%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Aurora next to Kane County, Illinois and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Aurora$274,800
Kane$327,000
Illinois$263,300
United States$332,700
Typical monthly rent
Aurora$1,596
Kane$1,453
Illinois$1,274
United States$1,413
Typical yearly household income
Aurora$93,633
Kane$103,163
Illinois$83,390
United States$80,734
See the full table
Aurora next to Kane County and Illinois
Measure
Aurora
Kane County
Illinois
U.S.
Typical home value
$274,800 ▼16% below the county
$327,000
$263,300
$332,700
Typical monthly rent
$1,596 ▲10% above the county
$1,453
$1,274
$1,413
Typical yearly household income
$93,633 ▼9% below the county
$103,163
$83,390
$80,734
Households that own their home
66% ▼10 points below the county
76%
67%
65%
Typical yearly property tax
$6,263 ▼15% below the county
$7,382
$5,298
$3,119
Effective property tax rate
2.28% ▲0.02 points above the county
2.26%
2.01%
0.94%
Renters with high rent for their income
46% ▼4 points below the county
50%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kane County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Aurora
For a typical $274,800 home in Aurora, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Aurora's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,586a month
Least cash to close
Down payment
$9,618
Cash to close
$17,862
Rate
7.18%
Mortgage insurance
FHA MIP · $122
Conventional, 5% down$2,536a month
Down payment
$13,740
Cash to close
$21,984
Rate
7.18%
Mortgage insurance
PMI · $131
Conventional, 20% down, no PMI$2,126a month
Down payment
$54,960
Cash to close
$63,204
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,380a month
Down payment
$41,220
Cash to close
$49,464
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Aurora
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,586
$9,618
$269,823
7.18%
FHA MIP · $122
$17,862
580
Conventional, 5% down
$2,536
$13,740
$261,060
7.18%
PMI · $131
$21,984
620*
Conventional, 20% down, no PMI
$2,126
$54,960
$219,840
7.18%
None
$63,204
620*
ITIN, 15% down (example)
$2,380
$41,220
$233,580
8.18%
None
$49,464
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Aurora is $1,596 a month: 10% above the county. In Aurora, 46% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Kane County, by unit size. To pay the 2-bedroom one ($2,011 a month) without spending more than 30% of your income, you would need to earn $38.67 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Kane County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,678
$32.27
$67,120
1 bedroom
$1,780
$34.23
$71,200
2 bedrooms
$2,011
$38.67
$80,440
3 bedrooms
$2,586
$49.73
$103,440
4 bedrooms
$2,954
$56.81
$118,160
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Aurora
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Aurora has 5 ZIP codes with their own.
For 2 bedrooms it runs from $1,810 in 60505 to $2,910 in 60503.
3 of the 5 are above the fair market rent for Kane County ($2,011).
2-bedroom fair market rent in each of the 5 ZIP codes of Aurora, beside the one for Kane County. For 2 bedrooms it runs from $1,810 in 60505 to $2,910 in 60503. 3 of the 5 are above the fair market rent for Kane County ($2,011).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $2,011
Lowest: $1,810 (60505)Highest: $2,910 (60503)
Fair market rent by ZIP code and size in Aurora, fiscal year 2027.
60502
$2,280
$2,420
$2,730
$3,510
$4,010
60503
$2,370
$2,470
$2,910
$3,760
$4,200
60504
$2,250
$2,380
$2,700
$3,470
$3,960
60505
$1,510
$1,600
$1,810
$2,330
$2,660
60506
$1,530
$1,620
$1,830
$2,350
$2,690
ZIP code2 bd3 bd
60502 $2,730$3,510
60503 $2,910$3,760
60504 $2,700$3,470
60505 $1,810$2,330
60506 $1,830$2,350
5 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Aurora when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 16 buildings with rents for lower incomes in Aurora. These are the largest.
Maple Terrace905 2nd Ave, Aurora 60505335 homes, 312 low-income · Run by Housing Authority of the City of Aurora · Average payment: $318 a month · Average wait: 38 months(630) 701-9977
Jericho Circle1220 S 4th St, Aurora 60505129 homes, 125 low-income · Run by Housing Authority of the City of Aurora · Average payment: $637 a month · Average wait: 38 months(630) 701-9977
Harbor Village Apartments1360 S 4th St, Aurora 60505108 low-income homes · For families(630) 897-3701
Sage Crest Apartments827 N Lake St, Aurora 60506102 low-income homes · For families(630) 859-0066
Silver Oaks at Waterford1819 Silver Oaks Cir, Aurora 6050496 low-income homes · 1 bd: 96 · In service since 2000 · For older adults, people with disabilities
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 2 HUD-approved agencies with an office in Kane County; 2 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Aurora or Kane County. The ones below are statewide in Illinois: they work in Aurora the same as in the rest of the state.
IHDA second loan with no payments until you sell or refinance, for the down payment in Illinois.Offered by Illinois Housing Development Authority (IHDA).
No legal help resource on our list is for Aurora or Kane County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Aurora and all of Kane County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Aurora?
The typical home value in Aurora is $274,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kane County it is $327,000.
How much does it cost to rent in Aurora?
Typical rent in Aurora is $1,596 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kane County is $2,011.
What is the FHA loan limit in Aurora?
Aurora uses the FHA limit for all of Kane County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Aurora?
The typical homeowner in Aurora pays $6,263 a year, according to the U.S. Census Bureau. That is 2.28% of the home’s value; in Kane County, the rate is 2.26%.
Where can I find free help to buy or rent in Aurora?
There are 2 HUD-approved counseling agencies with an office in Kane County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
