Mortgage Rates in Naperville, Illinois: 2026 Guide
30-year fixed: 6.72%. Median: $450,000.
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Current Mortgage Rates in Naperville
| Loan Type | Rate | APR | Monthly* |
|---|---|---|---|
| 30-Year Fixed | 6.72% | 6.800% | $2,328/mo |
| 15-Year Fixed | 6.2% | 6.270% | $3,077/mo |
| 5/1 ARM | 6.1% | 6.450% | $2,182/mo |
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6.72%
$450,000
150K
2.27%
Naperville Market Insights
Naperville consistently ranks among the best places to live in the US. The premium housing market reflects the area’s top-rated schools, low crime rates, and excellent amenities. Buyers should factor in Illinois’s high property taxes when calculating monthly costs.
FAQs
What is the average mortgage rate in Naperville?+
The average 30-year fixed rate in Naperville is 6.72%.
How much down payment is needed in Naperville?+
On a median home of $450,000, 20% down is $90,000.
What are property taxes like?+
Rate: 2.27%. Annual taxes: $10,215.