Most Affordable Towns to Buy a Home in Chicago’s Western Suburbs

Looking to buy a home near Chicago but want more space, quieter streets, and better bang for your buck? The western suburbs of Chicago offer a wide range of affordable housing options, all within commuting distance of the city—without the high costs of downtown living.

Here’s a look at the most affordable western suburbs to consider in 2025 if you're house-hunting on a budget.

1. Aurora

Median Home Price: ~$285,000
Commute to Downtown: ~60–75 minutes (Metra BNSF Line or I-88)

Aurora is Illinois' second-largest city and offers great value for homebuyers. From riverwalk views to a growing arts and food scene, it's a solid pick for families and first-time buyers alike. With access to multiple school districts and both newer subdivisions and historic neighborhoods, Aurora is one of the most versatile options in the western suburbs.

2. West Chicago

Median Home Price: ~$295,000
Commute to Downtown: ~1 hour (UP-W Metra Line)

Often overlooked, West Chicago is a hidden gem for buyers seeking affordability and a strong sense of community. It offers easy Metra access, family-friendly neighborhoods, and a good mix of starter homes and mid-size properties. It’s also just minutes from popular towns like Wheaton and Geneva—without the steeper price tag.

3. Elgin (Far West Suburb)

Median Home Price: ~$270,000
Commute to Downtown: ~60–75 minutes (Milwaukee District West Line)

Elgin is further out, but the value is hard to ignore. It has a revitalized downtown, historic homes, great dining options, and a riverwalk that rivals much more expensive suburbs. You'll also find diverse housing stock, solid public schools, and room to grow—all at a much lower price point than neighboring towns like St. Charles or South Elgin.

4. Montgomery

Median Home Price: ~$260,000
Commute to Downtown: ~70–80 minutes (via Aurora Metra Station or I-88/I-55)

Tucked between Aurora and Oswego, Montgomery is a quiet, family-friendly town with surprisingly affordable housing. It offers suburban comforts—parks, trails, and good schools—without the crowds. It's a smart pick for buyers looking for newer homes at starter-home prices.

5. Plano

Median Home Price: ~$240,000
Commute to Downtown: ~75–90 minutes (via nearby Metra in Aurora or Route 34)

If you’re open to going a bit farther west, Plano offers some of the most affordable homes in the Chicago metro area. It’s still relatively rural, but with suburban comforts and small-town charm. Ideal for buyers who work remotely or don't mind a longer commute in exchange for more space and lower mortgage payments.

6. North Aurora

Median Home Price: ~$275,000
Commute to Downtown: ~60–70 minutes (via Metra in Aurora or I-88)

Not to be confused with Aurora proper, North Aurora is a smaller suburb with great access to I-88 and beautiful outdoor spaces along the Fox River. It has newer subdivisions, good schools, and proximity to shopping and dining—without the higher prices seen in towns like Batavia or Geneva.

7. Romeoville

Median Home Price: ~$270,000
Commute to Downtown: ~50–60 minutes (via I-55 or Metra from nearby Lemont)

Romeoville sits on the southwest edge of the western suburbs and has seen consistent growth thanks to its affordability and central location. It's a great spot for first-time buyers looking for access to highways, forest preserves, and more space than you'd get closer to the city.

Why These Towns Make the List

• ✅ Affordability: All offer median home prices well below the Chicagoland average.

• ✅ Commuter-Friendly: Each town has access to a Metra line or major highway for those who need to get into the city.

• ✅ Family-Ready: Safe neighborhoods, green space, and good schools make these ideal for young families.

• ✅ Growth Potential: Many of these towns are still developing, which means better long-term investment opportunities.

If you're looking to stretch your budget without sacrificing quality of life, the western suburbs of Chicago are packed with opportunity. Whether you're drawn to the vibrant community of Aurora, the quiet charm of Montgomery, or the growing value of Romeoville, there’s a neighborhood that fits your needs and your price point.

Ready to start your home search?
Let me know if you'd like a more detailed breakdown of neighborhoods within these suburbs! I am always here to be a resource for you!