Free Naperville, Illinois seller net sheet calculator
Closing costs, transfer taxes and who pays what when selling a home in Naperville, Illinois (DuPage County). The calculator applies the local rates for you.
- Median home value
- $509,900
- Transfer tax on $510,000
- $2,295
- Seller costs on $510,000
- About $30,400
- Median property tax bill
- more than $10,000 a year
- County
- DuPage County
- Population
- 153,124
Naperville transfer tax
On a $510,000 sale in Naperville, transfer taxes come to $2,295: State real estate transfer tax, County real estate transfer tax and Naperville transfer tax. By custom the seller pays $765 of that and the buyer $1,530. Naperville has its own local transfer tax, so the total differs from the rest of DuPage County, where the same sale would owe $765.
| Tax | Rate | Paid by | On $510,000 |
|---|---|---|---|
| State real estate transfer tax | $0.50 per $500 | Seller | $510 |
| County real estate transfer tax | $0.25 per $500 | Seller | $255 |
| Naperville transfer tax | $3 per $1,000 | Buyer | $1,530 |
| Sale price | Seller pays | Buyer pays | Total |
|---|---|---|---|
| $250,000 | $375 | $750 | $1,125 |
| $500,000 | $750 | $1,500 | $2,250 |
| $510,000 local median value | $765 | $1,530 | $2,295 |
| $1,000,000 | $1,500 | $3,000 | $4,500 |
Example Naperville seller net sheet
A $510,000 sale, close to Naperville's median home value of $509,900, with a 5% commission and a $305,000 mortgage payoff. Seller costs come to about $30,400, or 6% of the price.
| Line | Seller |
|---|---|
| Sale price | $510,000 |
| First mortgage payoff | −$305,000 |
| Real estate commission (5%) | −$25,500 |
| State real estate transfer tax | −$510 |
| County real estate transfer tax | −$255 |
| Owner's title insurance policy | −$2,127.50 |
| Settlement / closing fee | −$600 |
| Seller's attorney fee | −$700 |
| Survey | −$550 |
| Release / satisfaction recording | −$107 |
| Wire / courier / payoff processing | −$50 |
| Estimated net before property tax prorations | $174,600.50 |
Who pays what in Naperville
Naperville closings follow DuPage County customs. In DuPage County, the seller customarily pays the owner's title policy. The settlement fee is paid by each side for its own closing. Closings are usually handled by an attorney, and each side normally has its own attorney.
Property taxes in Naperville
The median property tax bill for homeowners in Naperville is more than $10,000 a year (Census Bureau American Community Survey, 2019-2023). Taxes here are paid in arrears, so at closing the bill is prorated between buyer and seller to the closing date. Taxes are paid a year in arrears (Cook County installments Mar 1 and Aug 1 for the prior year); the seller credits the buyer for the prior year if unpaid plus Jan 1 through closing, customarily at 105%-110% of the last bill.
Rates verified 2026-09-30. Home value and tax bill: Census Bureau American Community Survey, 2019–2023. A net sheet is an estimate; final figures come from the title company.
Naperville seller questions
How much is the transfer tax in Naperville, Illinois?
On a $510,000 sale in Naperville, transfer taxes come to $2,295: State real estate transfer tax, County real estate transfer tax and Naperville transfer tax. By custom the seller pays $765 of that and the buyer $1,530. Naperville has its own local transfer tax, so the total differs from the rest of DuPage County, where the same sale would owe $765.
How much are seller closing costs in Naperville?
On a $510,000 sale, close to the median home value in Naperville, with a 5% commission, estimated seller costs are about $30,400 (6% of the price). Without commission they are about $4,900. The loan payoff and property tax proration change the final number.
What county is Naperville in, and does it matter at closing?
Naperville is in DuPage County, Illinois. County and state rules set the transfer taxes and recording fees, and local custom decides who pays for title and closing. In DuPage County, the seller customarily pays the owner's title policy. The settlement fee is paid by each side for its own closing.
How much are property taxes in Naperville?
The median property tax bill for homeowners in Naperville is more than $10,000 a year (Census Bureau American Community Survey, 2019-2023). Taxes here are paid in arrears, so at closing the bill is prorated between buyer and seller to the closing date. Taxes are paid a year in arrears (Cook County installments Mar 1 and Aug 1 for the prior year); the seller credits the buyer for the prior year if unpaid plus Jan 1 through closing, customarily at 105%-110% of the last bill.
Other cities in DuPage County
- Wheaton
- Downers Grove
- Elmhurst
- Lombard
- Bartlett
- Carol Stream
- Addison
- Woodridge
- Glendale Heights
- Glen Ellyn
- West Chicago
- Westmont
Cities near Naperville
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