PlainZIP

Naperville, IL · standard

ZIP Code 60540

DuPage County, Illinois - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

42,910
1,254/sq mi
$157,102
Median income
$550,600
Median home value
72.6%
Bachelor's or higher

The verdict

Naperville pairs a top-decile household income with upper-quartile home values, in a low-density, homeowner-dominated area.

Top 3%
household income, US ZIPs
Top 11%
home value, US ZIPs
1,254
people per sq mi
76%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 60540 against every reporting US ZIP.

ZIP code 60540 is a densely settled ZIP (a standard USPS delivery area) in Naperville, DuPage County, Illinois, with 42,910 residents across 34.2 square miles, a density of 1,254 people per square mile, in the Chicago time zone.

ZIP 60540 skews affluent, with a median household income of $157,102 (96% above the Illinois average), while per-capita income is $77,790. 3.7% of residents live below the poverty line, and the unemployment rate reads 3.6%. The typical home here is valued at $550,600 (187% above the state average); renters pay a median of $1,980 monthly, and 75.5% of units are owner-occupied.

This is a highly-educated ZIP: 72.6% of adults hold a bachelor's degree or higher, the median age is 41.5, and the average commute is 28 minutes. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing DuPage County, letting you compare 60540 to its immediate surroundings rather than a national baseline alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 60540

Top 5 sectors by establishment count in Naperville, IL

Which industries have the most business establishments in ZIP 60540.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 60540, Naperville, IL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

42,910

Population

34.2

Area (sq mi)

1,254

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 60540?

41.5

Median Age

49.0%

Male

51.0%

Female

18.8%

Foreign-Born

White 69.9%
African American 3.2%
Asian 16.3%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 7.7%
Hispanic or Latino 9.6%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$157,102

Median Household Income

+96% vs state

$77,790

Per Capita Income

3.7%

Poverty Rate

3.6%

Unemployment Rate

28.4 min

Mean Commute Time

How ZIP 60540 ranks nationally

Naperville, IL household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$157,102 Top 3% higher than 97% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). This entry sits in this band. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 83.6%
Bachelor's Degree or Higher 72.6%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

16,198

Total Housing Units

15,161

Occupied Units

1,037

Vacant Units

2.69

Avg Household Size

Occupancy Type

Owner 75.5%
Renter 24.5%

$550,600

Median Home Value

+187% vs state

$1,980

Median Rent

1983

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+8.9%

YoY Change (2024)

226

HPI Index (2000 = 100)

+126%

Total Change Since 2000

Home values in ZIP 60540 have increased 8.9% over the past year (2024). Since 2000, this ZIP has seen +126% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.2% 158
2021 +7.1% 169
2022 +13.3% 192
2023 +8.3% 208
2024 +8.9% 226

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 1,729 business establishments in ZIP 60540, employing approximately 27,132 people with a combined annual payroll of $1,563,155,000.

1,729

Businesses

27,132

Employees

$1.6B

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 302 17.5%
Health care and social assistance 260 15.0%
Retail trade 228 13.2%
Accommodation and food services 165 9.5%
Other services (except public administration) 134 7.8%
Real estate and rental and leasing 110 6.4%
Finance and insurance 102 5.9%
Construction 73 4.2%
Administrative and support and waste management and remediation services 73 4.2%
Wholesale trade 69 4.0%
Transportation and warehousing 68 3.9%
Educational services 45 2.6%
Arts, entertainment, and recreation 40 2.3%
Information 34 2.0%
Manufacturing 20 1.2%
Management of companies and enterprises 5 0.3%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 60540 vs 60565 →

ZIP 60540 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 60540 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 60540 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 60540 ranks #3 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
60565 Naperville, IL 40,524 2.6 mi
60563 Naperville, IL 35,922 2.8 mi
60532 Lisle, IL 27,066 3.7 mi
60490 Bolingbrook, IL 20,463 6.1 mi
60555 Warrenville, IL 13,538 4.5 mi
60189 Wheaton, IL 30,472 5.4 mi
60564 Naperville, IL 41,312 4.7 mi
60504 Aurora, IL 37,919 5.0 mi
60519 Eola, IL 88 5.1 mi
60190 Winfield, IL 10,663 7.5 mi

More ZIP Codes in DuPage County

60148 standard
Lombard, IL
Pop: 51,468
60126 standard
Elmhurst, IL
Pop: 46,371
60188 standard
Carol Stream, IL
Pop: 42,656
60103 standard
Bartlett, IL
Pop: 41,928
60565 standard
Naperville, IL
Pop: 40,524
60101 standard
Addison, IL
Pop: 39,119

Related Areas

DuPage County Naperville, IL Illinois

Frequently Asked Questions

What county is ZIP code 60540 in? ▼
ZIP code 60540 (Naperville) is located in DuPage County, Illinois. DuPage County contains multiple ZIP codes, see the full list at /counties/dupage-il.
What is the population of ZIP code 60540? ▼
ZIP code 60540 in Naperville, IL has a population of 42,910 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 60540? ▼
The median household income in ZIP 60540 is $157,102, which is 106% above the national average of $76,288.
What is the average home value in ZIP 60540? ▼
The median home value in ZIP 60540 is $550,600, which is 98% above the national average of $278,155.
What is the demographic makeup of ZIP 60540? ▼
The largest racial group in ZIP 60540 is White at 69.9%. Hispanic or Latino residents make up 9.6% of the population.
How many businesses are in ZIP code 60540? ▼
ZIP code 60540 has 1,729 business establishments employing approximately 27,132 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 60540? ▼
The top industries by establishment count in ZIP 60540 are: Professional, scientific, and technical services (302), Health care and social assistance (260), Retail trade (228). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 60540? ▼
According to the FHFA House Price Index, home values in ZIP 60540 increased by 8.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 126%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 60540? ▼
In ZIP code 60540, 83.6% of residents aged 25+ have a high school diploma or higher, and 72.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 60540? ▼
The mean commute time for workers in ZIP code 60540 is 28.4 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 60540? ▼
In ZIP code 60540, approximately 75.5% of occupied housing units are owner-occupied and 24.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 60540? ▼
The poverty rate in ZIP code 60540 is 3.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.