Ashwood Crossing, Naperville — True Cost of Ownership
DuPage County | Naperville | 103 homes | 55+ | Homes $290K–$440K | HOA ~$250/mo
Ashwood Crossing is a smaller 55+ community in Naperville — 103 homes, DuPage County address, and a $250/mo HOA that is higher than you might expect for a community this size. The Naperville address carries a real market premium: homes here resell consistently above comparable square footage in Bolingbrook, Romeoville, or even Aurora. DuPage County's ~2.0% effective property tax rate is one of the lower rates in the Chicago market. On a $360K home, the annual tax bill is $7,200 — $1,200–$2,500 less than equivalent homes in Lake or Kane County.
Monthly Cost Breakdown
| Cost Item | Est. Monthly (Low) | Est. Monthly (High) | Notes |
|---|---|---|---|
| HOA fee | $238 | $265 | Common areas, amenities; verify inclusions |
| Property tax | $483 | $733 | DuPage ~2.0%; on $290K–$440K homes |
| Lawn care | $65 | $115 | Owner responsibility |
| Homeowners insurance | $120 | $185 | Full structure coverage |
| Utilities | $175 | $265 | Not in HOA |
| Total monthly (excl. mortgage) | ~$1,081 | ~$1,563 |
DuPage County Tax by Home Value
| Purchase Price | Annual Tax Est. | Monthly |
|---|---|---|
| $290,000 | $5,800 | $483 |
| $340,000 | $6,800 | $567 |
| $390,000 | $7,800 | $650 |
| $440,000 | $8,800 | $733 |
10-Year Projection — $355K Home
| Cost Item | 10-Year Estimate |
|---|---|
| HOA fees (3% annual increase from $250/mo) | ~$34,700 |
| Property tax (~$7,100/yr) | ~$73,800 |
| Lawn care (~$88/mo) | ~$10,600 |
| Insurance (~$150/mo) | ~$18,000 |
| Utilities (~$215/mo) | ~$25,800 |
| Total non-mortgage cost (10 yr) | ~$162,900 |
Questions on Ashwood Crossing?
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