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Naperville city, IL

ZIP 60540 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

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Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 60540

Median Home Value
$504,900
Median Rent
$1,751
Affordability Snapshot
$139,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,243/mo PITI).

13%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

24.0 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 60540 in Naperville city, IL, a household would need roughly $139,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,243. That sits below the local median household income ($155,866), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
75.2%+15% vs US avg
x
Vacancy Rate
6.2%-39% vs US avg
x
Broadband Access
97.3%+12% vs US avg
x
4+ Bedrooms
9.5%-36% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
22.5%-55% vs US avg
x
Mortgage-Free
36.4%-5% vs US avg
x
$504,900
Home Value
$1,751
Rent
1983
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached65.7%
  • 1-unit attached12.7%
  • 2-9 units10.0%
  • 10+ units11.2%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$504,900
Median rent$1,751
Owner-occupied75.2%
Vacant6.2%
Price-to-income3.2x
Est. income to buy$139,000