Mortgage payment estimates, closing cost breakdowns, and homebuying data for Naperville, Illinois.
Pre-filled with Naperville median home price and Illinois tax/insurance rates. Adjust for your property.
Estimated closing costs based on Illinois rates and fees applied to Naperville prices.
The median home price in Naperville is $485,000, 80% above the Illinois state median of $270,000. With a population of 149,540, Naperville is a mid-size city where home prices reflect strong demand and local economic factors.
Property taxes in Illinois average 2.07% annually. This higher-than-average tax rate means a $485,000 home in Naperville would carry roughly $837/month in property taxes alone — plan accordingly. Homeowners insurance in Illinois runs approximately $1,900 per year. This is within the normal range nationally.
Average rent in Naperville is $1,850/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.
Naperville is a higher-cost market. At $485K median, buyers need significant savings or strong income. Down payment assistance through Illinois's IHDA 1stHomeIllinois program becomes especially important.