MonitorBankRates
☰
New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Naples, IL Housing Affordability Index

Naples, Illinois has an MBR Housing Affordability Index score of 559.7 (Highly Affordable) as of October 30, 2026, ranking 2nd most affordable of 1,249 scored Illinois cities, compared with 102.2 statewide and 97.4 nationally. On a median-priced $63,400 home with 20% down, the Illinois average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $348, or 2% of the city’s $170,350 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Naples is updated every night from live Illinois mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Naples MBR-HAI 559.7 Highly Affordable
Rank in Illinois 2 of 1,249 1 = most affordable
Illinois 102.2 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.31% Illinois lenders
Median home value $63,400 U.S. Census Bureau

Naples is 457.5 points above the Illinois score. Scores as of October 30, 2026. See the Illinois index

View Naples Mortgage Rates

What It Takes to Buy in Naples

$348/mo
Principal & Interest
Median home, 20% down, 7.31%
$14,900
Income Needed
To keep the payment at 28% of income
$170,350
Median Household Income
Illinois: $83,390
0.4x
Price-to-Income Ratio
Illinois: 3.2x
$721/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,987/yr
Median Property Tax
Illinois figure
26.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
45.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Naples, Illinois. The rate is the Illinois average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How Naples Ranks in Illinois

Cities with similar scores
#1Bentley609.9
#2Naples559.7
#3Topeka522.7 #4Waggoner483.9 #5Gorham438.4
Powered byMonitorBankRates

Cite the Naples Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Naples, Illinois score: 559.7 (Highly Affordable), ranked 2 of 1,249 Illinois cities. monitorbankrates.com/housing-affordability-index/illinois/naples”