Market Overview
Home Prices in Naperville, IL
The median home value in Naperville, IL is $636,281 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.4% compared to a year ago and up 4.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Naperville are priced55% above average. Naperville is part of the Chicago-Naperville-Elgin, IL-IN-WI metro area.
Over the past five years, Naperville home values have risen by approximately38.9%, reflecting strong long-term appreciation in this market.
Price History
Naperville Home Price Trend
City Comparison
Naperville vs. National Median
At $636,281, homes in Naperville cost 55% above the national median of $410,000. Buyers in Naperville should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Naperville?
20% Down Payment
$127,256
on $636,281
Monthly P&I
$3,318/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,214/mo
incl. taxes & insurance
Income Needed
$168,560
gross annual (30% rule)
10% Down Option
$63,628
+ PMI applies
Loan Amount (20% dn)
$509,025
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Naperville, IL?
The median home value in Naperville is $636,281 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.4% year-over-year.
How much have home prices changed in Naperville?
Over the past year, home values in Naperville have increased by 4.4%. Over five years, prices have risen approximately 38.9%.
How much do I need to earn to buy a home in Naperville?
To comfortably afford the median home price of $636,281 with a 20% down payment ($127,256) at today's rates (6.8%), you'd need a gross annual income of approximately $168,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Naperville compare to the national average home price?
The national median home value is approximately $410,000. At $636,281, homes in Naperville are 55% above the national average.
What metro area is Naperville part of?
Naperville is part of the Chicago-Naperville-Elgin, IL-IN-WI metropolitan area. Home prices and market conditions can vary across the broader metro region.