In Wheaton, a typical home is worth $455,700 and typical rent is $1,799 a month. Compared with all of DuPage County, the typical home value is 16% higher and typical household income is 7% higher.
Typical home value from Zillow, September 2021 to September 2026: from $380,281 to $507,044.
Typical rent
$2,375a month
= about the same as 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,839 to $2,375.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Wheaton 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Glendale Heights, the typical home value is $261,700: 43% less than in Wheaton ($455,700).
2
Nearby, in Glen Ellyn, the typical rent is $1,433: 20% less than in Wheaton ($1,799).
3
The typical home in Wheaton is worth $455,700,16% more than in DuPage County as a whole ($391,400).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Wheaton
What homes there are in Wheaton, 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
Wheaton
DuPage County
Illinois
United States
Kind of home: Wheaton and its comparisons
Measure
Wheaton
DuPage County
Illinois
United States
Detached house
58%
58%
58%
61%
Attached house
12%
12%
6%
6%
Building of 2 to 4
7%
5%
12%
8%
Apartments (5 or more)
23%
25%
22%
19%
Mobile home
Unreliable estimate
0%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Wheaton, 6 in 10 homes are single-family detached houses, about the same as in DuPage County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Wheaton
DuPage County
Illinois
United States
Year built: Wheaton and its comparisons
Measure
Wheaton
DuPage County
Illinois
United States
Before 1960
25%
18%
38%
26%
1960–1979
38%
36%
26%
24%
1980–1999
29%
32%
20%
25%
2000–2009
4%
9%
11%
14%
2010 or later
5%
6%
6%
11%
The typical year built in Wheaton is 1976, about the same as in DuPage County (1978).
By size, homes in Wheaton look like those in DuPage County: 64% have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K5%
$200K–$300K12%
$300K–$500K40%
$500K–$750K31%
$750K–$1M7%
$1M or more3%
Value of owner-occupied homes: Wheaton and its comparisons
Measure
Wheaton
Under $100K
Unreliable estimate
$100K–$200K
5%
$200K–$300K
12%
$300K–$500K
40%
$500K–$750K
31%
$750K–$1M
7%
$1M or more
3%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9995%
$1,000–$1,49924%
$1,500–$1,99930%
$2,000–$2,49925%
$2,500–$2,9995%
$3,000 or more7%
Monthly rent with utilities: Wheaton and its comparisons
Measure
Wheaton
Under $500
Unreliable estimate
$500–$999
5%
$1,000–$1,499
24%
$1,500–$1,999
30%
$2,000–$2,499
25%
$2,500–$2,999
5%
$3,000 or more
7%
With a mortgage
$2,764 a month
DuPage County: $2,450 a month
Without a mortgage
$1,138 a month
DuPage County: $1,056 a month
Owners with a mortgage
69%
DuPage County: 65%
Owning costs more in Wheaton: with a mortgage, the typical cost is $2,764 a month; in DuPage County, $2,450. Without one, $1,138.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Wheaton+27%
DuPage County+27%
Illinois+35%
United States+53%
Typical rent
Wheaton+27%
DuPage County+28%
Illinois+26%
United States+33%
Typical household income
Wheaton+16%
DuPage County+21%
Illinois+27%
United States+29%
Change since 2015–2019: Wheaton and its comparisons
Measure
Wheaton
DuPage County
Illinois
United States
Typical home value
+27%
+27%
+35%
+53%
Typical rent
+27%
+28%
+26%
+33%
Typical household income
+16%
+21%
+27%
+29%
Much as in DuPage County, the typical home value in Wheaton rose 27% since 2015–2019.
The typical rent in Wheaton rose 27% since 2015–2019, about the same as in DuPage County (28%).
Housing prices ran ahead of income in Wheaton: typical income rose 16%, against +27% for home values and +27% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Wheaton and its comparisons
Measure
Wheaton
DuPage County
Illinois
United States
Rental vacancy
Unreliable estimate
5.6%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
1.0%
0.9%
More than one person per room
0.8%
2.7%
2.5%
3.4%
People per household
2.54
2.61
2.46
2.53
Drive alone
60%
65%
66%
69%
Carpool
5%
7%
8%
9%
Public transit
4%
4%
6%
3%
Walk or bike
5%
2%
3%
3%
Work from home
26%
22%
16%
15%
Other means
1%
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Fewer households are short on space in Wheaton: 0.8% have more than one person per room; in DuPage County, 2.7%.
By size, households in Wheaton look like those in DuPage County: 2.54 people on average.
Working from home is more common in Wheaton: 26%, against 22% in DuPage County.
Do the math
What would you pay each month for a home in Wheaton?
A typical home costs more than the typical income allows
We start with a typical home in Wheaton, worth $455,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Wheaton, which is $120,008 a year. For that payment to be 28% of income, a household would need to earn about $180,371 a year.
The calculator's FHA and conventional loan limits are those of all of DuPage 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 Wheaton. 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 $15,950 (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
$4,209
at 7.18% · 30 years
Loan amount
$447,446
Total interest
$643,769
Paid off in
November 2056
Includes $7,696 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,800 a month
Tight
$2,800 to $3,600 a month
Hard
more than $3,600 a month
Your payment · 42%
Compared with the typical household income in Wheaton ($120,008 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,031
Property tax
$786
Home insurance
$190
FHA mortgage insurance (MIP)
$202
You need at least $15,950 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 $4,209; principal and interest $3,031.
The city and its county
Wheaton and DuPage County
Wheaton 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).
Wheaton
Map of DuPage County, Illinois, with Wheaton marked. Around it, the neighboring counties.
Wheaton
DuPage County
Other cities with a page
Wheaton's own numbers
Typical home value
$455,700
Typical monthly rent
$1,799
Typical yearly household income
$120,008
Households that own their home
72%
Effective property tax rate
2.07%
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.
A typical home in Wheaton is worth $455,700: 16% above the county and 73% above Illinois. With the typical household income in Wheaton ($120,008 a year), a typical home costs 3.8 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.
Wheaton3.8 years
DuPage3.5 years
Illinois3.2 years
United States4.1 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.
Yearly change in FHFA’s price index in DuPage County, 2016 to 2025
2016: +2.7% +2.7% 2016
2017: +3.3% +3.3% 2017
2018: +2.5% +2.5% 2018
2019: +2.1% +2.1% 2019
2020: +0.9% +0.9% 2020
2021: +6.4% +6.4% 2021
2022: +11.0% +11.0% 2022
2023: +8.2% +8.2% 2023
2024: +7.7% +7.7% 2024
2025: +6.2% +6.2% 2025
Change in FHFA’s price index in DuPage County, Illinois and the United States
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
Wheaton 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
Wheaton$455,700
DuPage$391,400
Illinois$263,300
United States$332,700
Typical monthly rent
Wheaton$1,799
DuPage$1,688
Illinois$1,274
United States$1,413
Typical yearly household income
Wheaton$120,008
DuPage$112,096
Illinois$83,390
United States$80,734
See the full table
Wheaton next to DuPage County and Illinois
Measure
Wheaton
DuPage County
Illinois
U.S.
Typical home value
$455,700 ▲16% above the county
$391,400
$263,300
$332,700
Typical monthly rent
$1,799 ▲7% above the county
$1,688
$1,274
$1,413
Typical yearly household income
$120,008 ▲7% above the county
$112,096
$83,390
$80,734
Households that own their home
72% ▼1 points below the county
73%
67%
65%
Typical yearly property tax
$9,443 ▲18% above the county
$8,007
$5,298
$3,119
Effective property tax rate
2.07% ▲0.02 points above the county
2.05%
2.01%
0.94%
Renters with high rent for their income
44% ▼1 points below the county
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 Wheaton
For a typical $455,700 home in Wheaton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wheaton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,209a month
Least cash to close
Down payment
$15,950
Cash to close
$29,621
Rate
7.18%
Mortgage insurance
FHA MIP · $202
Conventional, 5% down$4,125a month
Down payment
$22,785
Cash to close
$36,456
Rate
7.18%
Mortgage insurance
PMI · $216
Conventional, 20% down, no PMI$3,446a month
Down payment
$91,140
Cash to close
$104,811
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,867a month
Down payment
$68,355
Cash to close
$82,026
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Wheaton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,209
$15,950
$447,446
7.18%
FHA MIP · $202
$29,621
580
Conventional, 5% down
$4,125
$22,785
$432,915
7.18%
PMI · $216
$36,456
620*
Conventional, 20% down, no PMI
$3,446
$91,140
$364,560
7.18%
None
$104,811
620*
ITIN, 15% down (example)
$3,867
$68,355
$387,345
8.18%
None
$82,026
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 Wheaton is $1,799 a month: 7% above the county. In Wheaton, 44% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in DuPage 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 Wheaton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wheaton has 2 ZIP codes with their own.
For 2 bedrooms it runs from $2,390 in 60187 to $2,460 in 60189.
2 of the 2 are above the fair market rent for DuPage County ($2,011).
Fair market rent by ZIP code and size in Wheaton, fiscal year 2027.
60187
$1,990
$2,120
$2,390
$3,070
$3,510
60189
$2,050
$2,180
$2,460
$3,160
$3,610
ZIP code2 bd3 bd
60187 $2,390$3,070
60189 $2,460$3,160
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Wheaton 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)
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.
No down payment, repair or rent-help program on our list is for Wheaton or DuPage County. The ones below are statewide in Illinois: they work in Wheaton 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 Wheaton or DuPage 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 Wheaton 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 Wheaton?
The typical home value in Wheaton is $455,700, 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 Wheaton?
Typical rent in Wheaton is $1,799 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 Wheaton?
Wheaton 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 Wheaton?
The typical homeowner in Wheaton pays $9,443 a year, according to the U.S. Census Bureau. That is 2.07% of the home’s value; in DuPage County, the rate is 2.05%.
Where can I find free help to buy or rent in Wheaton?
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.
