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Naperville, IL

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US location · verified

Neighborhood intelligence

Your Naperville relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Naperville.

Median rent

$1,885/mo

ACS 2024 5-year

HUD 2-bedroom FMR $2,011/mo

Median household income

$155,105

ACS 2024 5-year

Median home value

$540,200

ACS 2024 5-year

Safety score

94/100

FBI CDE

Weather

58°F (H 66° / L 51°)

Open-Meteo

Buying in Naperville? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

94/100

FBI CDE

Exceptionally safe for families — 67% below average vs. national FBI data, 2023–2024

Excellent

Noise Level

40 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 58°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 63 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Naperville IL

Naperville offers above-average safety (94/100). Rent runs $1,885/month and median income sits at $155,105.

Naperville has about 150,692 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Naperville IL Safe?

Naperville IL scores 94/100 on safety (well above average). Crime is about 67% below the national average. Most neighborhoods are fine for evening walks; still check the block you actually rent.

Detail: overall crime index 33 (100 = avg); violent crime index 20; property crime index 45. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Naperville IL

School quality varies by neighborhood in Naperville. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Naperville IL

Typical rent in Naperville is about $1,885/month (on the high side). At $1,885/month for a typical unit, you need about $67,860+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $540,200.

Median household income is $155,105, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($155,105) clears the $67,860 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Naperville IL

Average temperature is about 58°F (highs near 66°F, lows near 51°F).

You can be outside most of the year without extreme gear. Heating and cooling costs are usually moderate compared with hotter or colder metros. If you visit, go in winter or midsummer (not only in spring) to see the extremes.

Who Should Move to Naperville IL?

Who tends to thrive in Naperville: (1) Households that want quieter streets (safety sits at 94/100) (2) Dual-income households (at $1,885/month, the rent math works much better with two salaries) (3) Tech and finance workers (the job market is real and local pay near $155,105 helps carry housing costs) (4) People relocating for a job who can pick a safer ZIP (citywide safety is 94/100)

Who should look elsewhere: (1) Single earners under $70k (the rent-to-income ratio is tight at $1,885/month) (2) Anyone stretching past 40% of take-home on housing at $1,885/month (3) Households expecting top marks on rent and safety at once (Naperville does not clear every bar)

Income sniff test: clear about $67,860 household income for $1,885/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Naperville holds up well on the core metrics we publish. Safety at 94/100 makes it a reasonable choice for households who can manage $1,885/month rent. Verify school ratings for your target ZIP separately.

Next steps

Tools for your move

Quotes and listings for Naperville when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Naperville.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$3,672

Mortgage + tax + insurance + HOA

Annual property tax

$7,833

Annual est. $5,580

Est. monthly utilities

$923

Climate-adjusted electric, gas & water

Median home price

$540,200

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$486k
2022
$499k
2023
$512k
2024
$526k
2025
$540k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$1,787/mo vs buying
$1,885ACS 2024 5-year
Rent
$3,672
Buy

Mortgage

$2,732

Property tax

$653

Insurance

$193

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$7,168/yr

2024

1.37%

$7,383/yr

2025

1.41%

$7,605/yr

2026

1.45%

$7,833/yr

Buying in Naperville? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

37 (100 = avg)

low exposure

Est. annual homeowners insurance

$2,315/yr

moderate exposure
Wind hazard index63 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 58°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $2,315.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Naperville to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo