Market Overview
Home Prices in Naplate, IL
The median home value in Naplate, IL is $160,233 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 7.9% compared to a year ago and up 10.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Naplate are priced61% below average. Naplate is part of the Ottawa, IL metro area.
Over the past five years, Naplate home values have risen by approximately45.6%, reflecting strong long-term appreciation in this market.
Price History
Naplate Home Price Trend
City Comparison
Naplate vs. National Median
At $160,233, homes in Naplate cost 61% below the national median of $410,000. This makes Naplate a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Naplate?
20% Down Payment
$32,047
on $160,233
Monthly P&I
$836/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,062/mo
incl. taxes & insurance
Income Needed
$42,480
gross annual (30% rule)
10% Down Option
$16,023
+ PMI applies
Loan Amount (20% dn)
$128,186
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 Naplate, IL?
The median home value in Naplate is $160,233 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 7.9% year-over-year.
How much have home prices changed in Naplate?
Over the past year, home values in Naplate have increased by 7.9%. Over five years, prices have risen approximately 45.6%.
How much do I need to earn to buy a home in Naplate?
To comfortably afford the median home price of $160,233 with a 20% down payment ($32,047) at today's rates (6.8%), you'd need a gross annual income of approximately $42,480. This assumes keeping total housing costs at or below 30% of gross income.
How does Naplate compare to the national average home price?
The national median home value is approximately $410,000. At $160,233, homes in Naplate are 61% below the national average.
What metro area is Naplate part of?
Naplate is part of the Ottawa, IL metropolitan area. Home prices and market conditions can vary across the broader metro region.