Naperville, Illinois.
Typical home $618,458 (+4.5% in a year), asking rent $2,236 (+1.9%). Chicago-Naperville-Elgin, IL-IN-WI metro.
to buy the typical home at today's mortgage rate — +$1,812 (+126%) since Jan 2020.
- 1 year
- Up $26,455 +4%
- $592,003$618,458 since Sep 2025
- 5 years
- Up $169,345 +38%
- $449,113$618,458 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Naperville$3,246
- Illinois$1,553
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 11 years.
Typical home values in Naperville, IL rose 4.5% over the past year — faster than the nation's +1.2%.
Asking rents in Naperville, IL rose 1.9% over the past year — slower than the nation's +2.7%.
Owning the typical home in Naperville runs $2,727/mo more than renting one — the widest that gap has been in this data.
That is $4,963 a month against $2,236 rent: a $3,246 mortgage payment, plus $1,054 property tax and $662 insurance & upkeep.
Owning vs renting — Naperville
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$4,963
- Renting$2,236
- Mortgage only$3,246
Property tax · $1,054/mo 2.05% of value a year — the ACS 2020-2024 median bill over the median home value for DuPage County, IL
Insurance & upkeep · $662/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Naperville, DuPage County, Illinois
Naperville is a city of 149,540 people in DuPage County. Half its households earn more than $155,105 a year and half less, against $112,096 across DuPage County; 4% of its people live below the poverty line. 75% of its homes are lived in by their owners and 25% are rented. Unemployment in Naperville was 4.9% in August 2026, and DuPage County had 1.2% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Naperville is a large city in DuPage County, west of Chicago, and the people who live here tend to be older than the typical American, with most homes lived in by their owners. Household incomes run well above the county's, very few residents live below the poverty line, and a four-year degree is held by a large majority of adults. Homes are on the costly side, and renting is pricier than many people expect.
Work. Residents work mostly in schools, hospitals and social care, in professional and business services, in banks, insurance and property, and in manufacturing. Among the largest workplaces in Naperville are Edward Hospital, the Naperville school district and North Central College. Commutes are fairly long, and a good number of people work from home, while unemployment is a little higher than it was a year ago.
Things to do. The Morton Arboretum, a botanical garden, is a short drive away and gives a quiet place to walk among trees in any season. Chicago's museums and gardens are a longer drive, including the Art Institute of Chicago and the Field Museum of Natural History, with Millennium Park among the better known stops. Winters are cold and the summers warm, with a fair amount of rain and melted snow across the year.
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- 54,847households
- 72%of adults have a degree
- 4%below the poverty line
- 30 mintypical commute
- 31%work from home
What residents work in
Employed residents by industry, from the Census survey. DuPage County had 629,392 jobs in 2025, 1.2% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 32° and lows near 15°; warmest in July, with highs near 84° and lows near 62°. About 40 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Lisle-morton Arboretum weather station, 6 miles away (NOAA).
Largest workplaces in Naperville
- Edward HospitalGeneral hospital2,491FTE
- Naperville CUSD 203School district1,871FTE
- City of NapervilleCity and town managers' offices1,421
- Ecolab, EcoSureCommercial and industrial machinery repair and maintenance services746
- North Central CollegeUniversity or college676
- Lakehouse TopCo INC and SubsidiariesHomeowners' warranty insurance carriers, direct611
- NapervilleParks and recreation commission, government607
- Linden Oaks HospitalPsychiatric hospital454FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 102 workplaces with 20 or more staff, 19,043 people in all. Hospitals come from their Medicare cost reports (CMS, 2023), school districts from the Common Core of Data (NCES, 2023–24) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Cold wavesRelatively high
- TornadoesRelatively high
- Inland floodingRelatively high
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Naperville’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on DuPage County and the Chicago-Naperville-Elgin, IL-IN-WI metro.
Naperville home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Naperville$618,458
- Illinois$295,943
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Naperville listings, and the typical home goes pending in 18 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Naperville33.49%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Naperville18
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Naperville475
New listings per month
Sellers arriving at the market.
- Naperville167
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Naperville$585,936
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Naperville100.37%
Zip codes with a Naperville address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Naperville — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Naperville
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 60564 | Naperville | 47,016 | $2,801 | $693,464 |
| 60540 | Naperville | 42,252 | $2,272 | $643,086 |
| 60565 | Naperville | 40,483 | $2,312 | $615,786 |
| 60563 | Naperville | 39,330 | $2,095 | $462,480 |