Hampton Park, Naperville — True Cost of Ownership
DuPage County | Naperville | 62 homes | 55+ | Homes $310K–$480K | HOA ~$275/mo
Hampton Park is a 62-home 55+ community in Naperville — the smallest in the city and one of the smallest in the DuPage County market. The $275/mo HOA is higher than most small communities of this size, which suggests the fee covers a meaningful set of services and amenities that would be expensive for 62 homes to sustain individually. At this scale, every homeowner represents a significant share of the HOA budget — a few delinquent assessments or an unplanned capital expense affects the whole community more acutely than at a 300-home development. Review the reserve fund and HOA financials carefully before closing.
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Talk to a Specialist →Monthly Cost Breakdown
| Cost Item | Est. Monthly (Low) | Est. Monthly (High) | Notes |
|---|---|---|---|
| HOA fee | $260 | $290 | Amenities and common areas; verify inclusions |
| Property tax | $517 | $800 | DuPage ~2.0%; on $310K–$480K homes |
| Lawn care | $65 | $120 | Owner responsibility |
| Homeowners insurance | $130 | $200 | Full structure; premium Naperville prices = higher replacement cost |
| Utilities | $175 | $265 | Not in HOA |
| Total monthly (excl. mortgage) | ~$1,147 | ~$1,675 |
DuPage County Tax by Home Value
| Purchase Price | Annual Tax Est. | Monthly |
|---|---|---|
| $310,000 | $6,200 | $517 |
| $370,000 | $7,400 | $617 |
| $430,000 | $8,600 | $717 |
| $480,000 | $9,600 | $800 |
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10-Year Projection — $380K Home
| Cost Item | 10-Year Estimate |
|---|---|
| HOA fees (3% annual increase from $275/mo) | ~$38,100 |
| Property tax (~$7,600/yr) | ~$79,000 |
| Lawn care (~$90/mo) | ~$10,800 |
| Insurance (~$162/mo) | ~$19,400 |
| Utilities (~$215/mo) | ~$25,800 |
| Total non-mortgage cost (10 yr) | ~$173,100 |
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