Compare Current Naperville, Illinois Mortgage Rates

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.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Naperville. Plus, shopping lenders is free and there is no obligation.

Naperville, IL Mortgage Rates as of February 9, 2023
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Data provided by Icanbuy. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.

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Compare Today's Naperville, IL Mortgage Rates

February 9, 2023

Current mortgage rates in Naperville, IL are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
Naperville, IL Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Naperville, Illinois?

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 $361,241

Based on current mortgage rates and a 10% down payment, you need to make $59,188 per year to buy the median priced home in Naperville

With this income, you could qualify for a $325,117 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 $1,371

The median household income for Naperville, IL (DuPage County) is $104,199

Based on this income, you can afford a home valued at approximately $635,959

The home price you can afford to buy based on household income in Naperville is 176% of the median home value which means housing prices are average. Naperville (DuPage County) ranks 101 out of 102 counties in Illinois and 2,197 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


Loan Limits for Naperville, Illinois

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

1 unit: $647,200
2 units: $828,700
3 units: $1,001,650
4 units: $1,244,850

FHA loan limits for Naperville, IL

1 unit: $420,680
2 units: $538,650
3 units: $651,050
4 units: $809,150

VA loan limits for Naperville, IL

1 unit: $647,200

Additional Mortgage Resources for Naperville, IL Residents

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