Compare Naperville, IL mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Naperville.
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August 2, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Naperville. Understand how much you need to earn to afford a home in Naperville, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Naperville fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Naperville is right for you.
The median home value for Naperville, IL (DuPage County) is $386,971
Based on current mortgage rates and a 10% down payment, you need to make $80,728 per year to buy the median priced home in Naperville
With this income, you could qualify for a $348,274 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Naperville is $1,870
The median household income for Naperville, IL (DuPage County) is $101,031
Based on this income, you can afford a home valued at approximately $484,291
The home price you can afford to buy based on household income in Naperville is 125% of the median home value which means housing prices are average. Naperville (DuPage County) ranks 101 out of 102 counties in Illinois and 2,415 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Naperville, IL is average
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Naperville (DuPage County) below.
Conforming loan limits for Naperville, IL
FHA loan limits for Naperville, IL