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Lender Tables
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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.
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Naperville, IL Mortgage Rates as of November 29, 2024
Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. 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
November 29, 2024
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
Today's Naperville, IL Rates
National Average
Comparison
30 Year Fixed Rate
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6.670%
15 Year Fixed Rate
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5.960%
5/1 Adjustable Rate Mortgage
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6.250%
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 $386,971
Based on current mortgage rates and a 10% down payment, you need to make $80,728 per year to buy the median priced home in Naperville
With this income, you could qualify for a $348,274 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 $1,870
The median household income for Naperville, IL (DuPage County) is $101,031
Based on this income, you can afford a home valued at approximately $484,291
The home price you can afford to buy based on household income in Naperville is 125% of the median home value which means housing prices are average.
Naperville (DuPage County) ranks 101 out of 102 counties in Illinois and 2,415 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:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Naperville, IL
1 unit:$472,030
2 units:$604,400
3 units:$730,525
4 units:$907,900
VA loan limits for Naperville, IL
1 unit:$726,200
Additional Mortgage Resources for Naperville, IL Residents