ZIP Code 60540 — Naperville, IL Home Prices (2026)

The typical home in ZIP 60540 (Naperville, Illinois) is worth about $656,000 at roughly $301 per square foot — 2% more expensive than the Naperville median and 123% more expensive than the typical U.S. home.

$656,000

Typical home value

$301

Price per sq ft

#2 of 4

Naperville ZIPs by value

+2%

vs Naperville median

How 60540 compares

ZIP 60540 is one of the pricier ZIP codes in Naperville: its typical home value of $656,000 ranks #2 of the 4 Naperville ZIP codes we track (the citywide range runs from $471,000 in 60563 to $703,000 in 60564). Per square foot it costs about $301, against $274 for Naperville as a whole, $135 for Illinois, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 60540	$656,000	$301
Naperville, IL	$642,000	$274
Illinois	$200,000	$135
United States	$294,000	$195

Home value by size in 60540

Using this ZIP’s rate of about $301 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$301,000
1,500 sq ft	$451,500
2,000 sq ft	$602,000
2,500 sq ft	$752,500
3,000 sq ft	$903,000

Salary needed to buy a home in ZIP 60540

To buy the typical $656,000 home in ZIP 60540 with 20% down, you need a household income of roughly $178,000 a year (about $4,160 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $212,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$32,800	$5,180/mo	$222,000/yr
10% (+PMI)	$65,600	$4,950/mo	$212,000/yr
20%	$131,200	$4,160/mo	$178,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in ZIP 60540

At about $301 per square foot, here is roughly how much home different budgets get you in ZIP 60540:

Budget	Approx. size	What that looks like locally
$300k	1000 sq ft	below the local median — condos, smaller or older homes
$400k	1330 sq ft	below the local median — condos, smaller or older homes
$500k	1660 sq ft	below the local median — condos, smaller or older homes
$600k	1990 sq ft	around the typical home here
$750k	2490 sq ft	around the typical home here

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 60540 home.

Estimate a specific home in 60540

The estimator below is pre-set to ZIP 60540 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All Naperville ZIP codes by home value

Where 60540 sits among Naperville’s 4 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	60564	$703,000	$265
2	60540 (this page)	$656,000	$301
3	60565	$628,000	$272
4	60563	$471,000	$276

ZIP 60540 home prices: frequently asked

What is the average home price in ZIP code 60540? +

The typical home in ZIP 60540 (Naperville, IL) is worth about $656,000 as of 2026. That is 2% more expensive than the Naperville median of $642,000 and 123% more expensive than the U.S. median of $294,000.

What is the price per square foot in 60540? +

About $301 per square foot in 60540, versus $274 across Naperville and $135 across Illinois. At that rate a 1,500 sq ft home runs roughly $451,500 and a 2,500 sq ft home about $752,500.

What salary do you need to buy a house in ZIP 60540? +

For the typical $656,000 home in ZIP 60540, a household income of about $178,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $212,000; with 5% down about $222,000.

Is 60540 an expensive ZIP code? +

Within Naperville, 60540 ranks #2 of 4 ZIP codes by typical home value, which makes it one of the pricier ZIP codes in Naperville. Nationally it is relatively expensive.

See the full Naperville home values page, all Illinois cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.