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City · 150,692 residents · DuPage County, Illinois

Naperville , Illinois

In Naperville, a typical home is worth $540,200 and typical rent is $1,885 a month. Compared with all of DuPage County, typical household income is 38% higher and the typical home value is 38% higher.

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  • Typical home value

    $540,200

    38% above the county

    105% above Illinois

    • Naperville
    • DuPage
    • Illinois

  • Typical rent

    $1,885a month

    12% above the county

    48% above Illinois

    • Naperville
    • DuPage
    • Illinois

  • Typical household income

    $155,105a year

    38% above the county

    86% above Illinois

    • Naperville
    • DuPage
    • Illinois

  • Households that own their home

    75%

    2 points above the county

    8 points above Illinois

    • Naperville
    • DuPage
    • Illinois

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$618,458
4.5% more than 12 months ago
Typical rent
$2,236 a month
1.9% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Naperville is in DuPage 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 DuPage County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Naperville apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Aurora, the typical home value is $274,800: 49% less than in Naperville ($540,200).

  2. The typical household income in Naperville is $155,105, 38% more than in DuPage County as a whole ($112,096).

  3. The typical home in Naperville is worth $540,200, 38% more than in DuPage County as a whole ($391,400).

  4. Nearby, in Woodridge, the typical rent is $1,494: 21% less than in Naperville ($1,885).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Naperville

What homes there are in Naperville, 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 houses, standing on their own, make up 63% of homes here, against 58% in DuPage County.

Year built

Homes in Naperville are newer: the typical year built is 1990; in DuPage County, 1978.

There is more room for a big family here: 68% of homes have 3 bedrooms or more, against 63% in DuPage County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA limit for DuPage County is $541,287: about 50% of owner-occupied homes in Naperville are worth less, and the rest more.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for DuPage County is $2,011: about 59% of rents in Naperville are below it.

With a mortgage

$3,154 a month

DuPage County: $2,450 a month

Without a mortgage

$1,305 a month

DuPage County: $1,056 a month

Owners with a mortgage

67%

DuPage County: 65%

The typical cost for an owner with a mortgage in Naperville is $3,154 a month, more than in DuPage County ($2,450); without one, $1,305.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Naperville rose 30% since 2015–2019, about the same as in DuPage County (27%).

Rents in Naperville rose more slowly than in DuPage County: 24% since 2015–2019, against 28%.

To compare: typical income in Naperville rose 23%; the home, +30%; the rent, +24%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureNapervilleDuPage CountyIllinoisUnited States
Rental vacancy 5.1%5.6%5.0%5.5%
Homeowner vacancy Unreliable estimate0.7%1.0%0.9%
More than one person per room 1.9%2.7%2.5%3.4%
People per household 2.702.612.462.53
Drive alone 57%65%66%69%
Carpool 5%7%8%9%
Public transit 5%4%6%3%
Walk or bike 1%2%3%3%
Work from home 31%22%16%15%
Other means 1%1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in DuPage County, the rental vacancy rate in Naperville is 5.1%.

In Naperville, 1.9% of households live with more than one person per room, about the same as in DuPage County.

Much as in DuPage County, a household in Naperville has 2.70 people on average.

Many people here do not commute at all: 31% work from home; in DuPage County, 22%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Naperville?

A typical home costs more than the typical income allows

We start with a typical home in Naperville, worth $540,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Naperville, which is $155,105 a year. For that payment to be 28% of income, a household would need to earn about $209,573 a year.

The calculator's FHA and conventional loan limits are those of all of DuPage County.

Your numbers

Local data
$

Starts at the typical home value in Naperville. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $18,907 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$4,890

at 7.18% · 30 years

Loan amount
$530,416
Total interest
$763,144
Paid off in
November 2056

Includes $9,123 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,619 a month

  • Tight

    $3,619 to $4,653 a month

  • Hard

    more than $4,653 a month

    Your payment · 38%

Compared with the typical household income in Naperville ($155,105 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,890
Principal & interest$3,593
Property tax$833
Home insurance$225
FHA mortgage insurance (MIP)$239

You need at least $18,907 for the down payment, plus closing costs.

Next step

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.

The city and its county

Naperville and DuPage County

Naperville is in DuPage 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).

Naperville's own numbers

Typical home value
$540,200
Typical monthly rent
$1,885
Typical yearly household income
$155,105
Households that own their home
75%
Effective property tax rate
1.85%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of DuPage 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)
+46%
Homes in a high flood-risk zone
0.8%

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 DuPage County.

Everything about DuPage County

Buying

Buying a home in Naperville

A typical home in Naperville is worth $540,200: 38% above the county and 105% above Illinois. With the typical household income in Naperville ($155,105 a year), a typical home costs 3.5 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.

  • Naperville 3.5 years
  • DuPage 3.5 years
  • Illinois 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in DuPage County

According to FHFA’s house price index, home prices in DuPage County rose 64% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of DuPage County.

Period County Illinois U.S.
Last year (2025) +6.2% +5.7% +2.9%
5 years (2020–2025) +46% +47% +47%
10 years (2015–2025) +64% +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

Naperville next to DuPage 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
  • Naperville $540,200
  • DuPage $391,400
  • Illinois $263,300
  • United States $332,700
Typical monthly rent
  • Naperville $1,885
  • DuPage $1,688
  • Illinois $1,274
  • United States $1,413
Typical yearly household income
  • Naperville $155,105
  • DuPage $112,096
  • Illinois $83,390
  • United States $80,734
See the full table
Naperville next to DuPage County and Illinois
Measure Naperville DuPage County Illinois U.S.
Typical home value $540,200 $391,400 $263,300 $332,700
Typical monthly rent $1,885 $1,688 $1,274 $1,413
Typical yearly household income $155,105 $112,096 $83,390 $80,734
Households that own their home 75% 73% 67% 65%
Typical yearly property tax $10,001 $8,007 $5,298 $3,119
Effective property tax rate 1.85% 2.05% 2.01% 0.94%
Renters with high rent for their income 39% 45% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below DuPage 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 Naperville

For a typical $540,200 home in Naperville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Naperville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,890a month

    Least cash to close
    Down payment
    $18,907
    Cash to close
    $35,113
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $239

  • Conventional, 5% down $4,791a month

    Down payment
    $27,010
    Cash to close
    $43,216
    Rate
    7.18%
    Mortgage insurance
    PMI · $257

  • Conventional, 20% down, no PMI $3,985a month

    Down payment
    $108,040
    Cash to close
    $124,246
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,485a month

    Down payment
    $81,030
    Cash to close
    $97,236
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Naperville and for DuPage County.

Property tax

Effective rate in Naperville

1.85%of the home’s value each year

$10,001 a year for the typical owner in Naperville.

  • Naperville 1.85%
  • DuPage 2.05%
  • Illinois 2.01%

What Illinois publishes General Homestead Exemption (Illinois Department of Revenue)

Exemptions and deadlines in Illinois

Flood risk in DuPage County

FEMA does not publish these numbers by city: they are for all of DuPage County.

Homes in the high-risk zone
0.8%
2,485
Of those, with NFIP insurance
41%
County Illinois U.S.
Homes in the high-risk zone 0.8% 1.5% 3.5%
Of those, with NFIP insurance 41% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Naperville

Typical rent in Naperville is $1,885 a month: 12% above the county. In Naperville, 39% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of DuPage 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.

HUD fair market rent for all of DuPage County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 Naperville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Naperville has 4 ZIP codes with their own.

For 2 bedrooms it runs from $2,490 in 60565 to $3,020 in 60564.

4 of the 4 are above the fair market rent for DuPage County ($2,011).

  • 60540 $2,700$3,470
  • 60563 $2,690$3,460
  • 60564 $3,020$3,880
  • 60565 $2,490$3,200

4 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Naperville 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Naperville

HUD lists 6 buildings with rents for lower incomes in Naperville. These are the largest.

  • Country Wood Apts 756 Inland Cir, Naperville 60563 180 low-income homes · 1 bd: 90 · 2 bd: 90 · In service since 1996 · For families
  • Charles Court 300 N Charles Ave, Naperville 60540 130 homes, 129 low-income · For older adults (312) 464-9444
  • Ogden Manor 395 W Ogden Ave, Naperville 60563 108 low-income homes · For families (630) 355-4333
  • Ogden Manor Apartments 321 395 W Ogden Ave, Naperville 60563 108 low-income homes · 1 bd: 80 · 2 bd: 19 · 3 bd: 9 · In service since 2018
  • Naperville Elderly Homes, Inc.i 310 Martin Ave, Naperville 60540 73 homes, 30 low-income · For older adults (630) 357-0909

See all 38 buildings in DuPage County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Naperville

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 is 1 HUD-approved agency with an office in DuPage County; 1 says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Naperville

No down payment, repair or rent-help program on our list is for Naperville or DuPage County. The ones below are statewide in Illinois: they work in Naperville the same as in the rest of the state.

Which programs do I qualify for? All programs in Illinois

  • IHDAccess Home

    Statewide in Illinois

    Limited funds remain, per the source

    IHDA second loan with deferred payments for first-time buyers in Illinois. Offered by Illinois Housing Development Authority (IHDA).

    Deferred

    See the program Official page

  • IHDAccess Forgivable

    Statewide in Illinois

    Limited funds remain, per the source

    IHDA second loan forgiven little by little over ten years, for the down payment in Illinois. Offered by Illinois Housing Development Authority (IHDA).

    Forgivable

    See the program Official page

  • IHDAccess Deferred

    Statewide in Illinois

    Limited funds remain, per the source

    IHDA second loan with no payments until you sell or refinance, for the down payment in Illinois. Offered by Illinois Housing Development Authority (IHDA).

    Deferred

    See the program Official page

Housing counselors near Naperville

The HUD-approved agencies closest to the center of Naperville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • The Neighbor Project

    32 S Broadway, Aurora · 8 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (630) 906-9400

  • Dupage Homeownership Center, Inc. DBA H.o.m.e. Dupage, Inc.

    1600 E Roosevelt Rd, Wheaton · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (630) 260-2500

  • Will County Center for Community Concerns

    2455 Glenwood Ave, Joliet · 15 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (815) 722-0722

Every agency in DuPage County All counseling agencies in Illinois

Help in Spanish near Naperville

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Naperville

In HUD’s record, no housing authority with an office in DuPage County is named for Naperville or DuPage County.

One other authority has an office in DuPage County: see the list Source: HUD

Cities

Other cities in DuPage County

These cities are also in DuPage County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about DuPage County Housing in Illinois
See 16 more cities in DuPage County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Naperville, with the typical home value.

Neighboring counties

If DuPage County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Naperville.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Naperville

Short answers with the numbers for Naperville and all of DuPage 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 Naperville?

The typical home value in Naperville is $540,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in DuPage County it is $391,400.

How much does it cost to rent in Naperville?

Typical rent in Naperville is $1,885 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in DuPage County is $2,011.

What is the FHA loan limit in Naperville?

Naperville uses the FHA limit for all of DuPage 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 Naperville?

The typical homeowner in Naperville pays $10,001 a year, according to the U.S. Census Bureau. That is 1.85% of the home’s value; in DuPage County, the rate is 2.05%.

Where can I find free help to buy or rent in Naperville?

There is 1 HUD-approved counseling agency with an office in DuPage County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).