$714,900
942 Montgomery Ct
3 bed · 3 bath · 2,490 sqft
See details →DuPage County · Chicago
Buying a Home in NapervilleWithout a realtor.
Naperville anchors DuPage County with top-rated Naperville 203 schools and a walkable riverfront downtown.
It is among the pricier Chicago suburbs, so the buyer-agent commission scales up fast here.
On a Naperville-priced home, self-representation keeps one of the larger commission figures in the metro.
Estimated Savings
up to $20,399
Preset to the local median home price. Change it to see what you could save.
$50,000Drag to explore$5,000,000
Typical buyer commission$17,331 – $20,798
Potential savings using CIY$16,932 – $20,399
Recent homes for sale in Naperville
A snapshot of active Naperville listings. Sign in to search the full inventory, save favorites, and track price changes.
Search all Naperville homes →
Full search requires a free account. Listings sourced from a third-party feed and may lag the MLS.
Naperville market snapshot
As of August 2026. Local buyer data that frames the savings math above.
$
$693,250
Typical recent sale price
Median of actual recorded home sales over the trailing year, not current asking prices.
YoY
+1.2%
Year-over-year price change
Prices are still edging up year over year.
DOM
38
Typical days on market
Homes are sitting longer. You have time to inspect and negotiate.
How to represent yourself in Naperville
A state-neutral walkthrough. CIY gives you education and organization tools; we do not perform these steps for you.
- 1
Get pre-approved before you tour
Line up your financing first. A pre-approval letter tells sellers you are a serious buyer.
It also sets a firm budget, so you can move quickly when the right home in Naperville comes up.
- 2
Search listings and track homes yourself
You can find and evaluate homes directly.
Watch price history and days on market so you know where you have leverage in the DuPage County market.
- 3
Tour homes as a self-represented buyer
You can schedule showings directly with listing agents.
Say up front that you are representing yourself so everyone is clear on who is on which side.
- 4
For new construction, register yourself at the model home
Naperville has a mix of established neighborhoods and infill builder activity; where you buy new, register yourself with the builder before a model-home rep becomes your agent of record.
Unlock the offer and closing steps
The written offer, inspection, appraisal, and closing steps walk you through the part where your savings turn into real money.
They are part of the CIY Package, along with the full closing timeline, document checklist, and provider directory.
Frequently asked questions about buying in Naperville
Common questions from self-represented buyers in DuPage County.
Frequently asked questions
Do I need a buyer’s agent to buy a house in Naperville?
No. Illinois lets buyers represent themselves. Since the 2024 NAR settlement, buyer-agent compensation is negotiated openly rather than assumed, which makes self-representation more straightforward than it used to be.
How much is the buyer-agent commission on a Naperville home?
Near the local median, a typical 2.5% to 3% buyer-agent commission is roughly $17,300 to $20,800. Because Naperville prices run higher, self-representation keeps one of the larger commission figures in the metro.
Do I need an attorney to close on a home in Illinois?
Yes. Illinois is an attorney-closing state, meaning a real estate attorney (not a title-company escrow officer) prepares the contract and conducts the closing. You still do not need a buyer’s agent, and the attorney’s flat fee is typically a fraction of a buyer-agent commission.
Can I appeal my property taxes in Naperville?
Yes. Illinois property taxes are among the highest in the nation, and the DuPage County Board of Review opens an appeal window each year. You can file yourself or hire a tax-appeal firm that works on contingency. The appeal is the single biggest lever a Naperville owner has on the annual bill.
Can I tour homes in Naperville without a realtor?
Yes. You can contact listing agents directly to schedule showings, attend open houses, and make an offer. Illinois does not require a buyer to use an agent. Since the 2024 NAR settlement, a licensed broker must have a signed buyer-agency agreement before showing you homes, so representing yourself keeps that choice in your hands.
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