Naperville cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexNapervilleIllinoisNational
Cost of living index12899100
IndexNapervilleIllinoisNational
Goods & Services index9698100
Groceries index10699100
Health care index104101100
Housing index19399100
Transportation index10097100
Utilities index103101100
A general summary of the cost of living index in Naperville, IL is shown above. Compared to the state average of Illinois the cost of living index in Naperville, IL is 128, which is 29% higher than the average in Illinois and compared to the national average it is 28% higher than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In Naperville, IL goods and services come in at 2% lower than the average in Illinois and are 4% lower than compared to the nationwide average.

Did you know?

  • The cost of living in Naperville is 29% higher than the Illinois average.
  • The cost of living in Naperville is 28% higher than the national average.
  • The cost of housing in Naperville is 93% higher than the national average.
  • Illinois general sales tax is 23% higher than the national average.
  • Illinois state income tax is 69% higher than the national average.

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Compare Naperville, IL Cost of living To Other Cities

Salary Calculator

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Use the salary calculator to compare your current income in Naperville, IL to any other city in the country. The calculator will tell you how much income you would need to make in a particular city to live at the same level based on the cost of living in each city. For example, if the cost of living in the city you are looking to move to is higher than that of Naperville, IL, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Naperville, IL salary calculator, enter the name of the new city, then move the slider to your current salary level. The salary calculator will do the rest and let you know if your salary would need to increase or decrease for the new city. You will also see a complete overview of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$127,468$10,622$2,974$3,824
Renters$59,255$4,938$1,383$1,778
One can approximate the cost of living and the housing affordability in Naperville, IL by the percentage of a person’s income that he or she spends on the monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side and keep one’s head above the water, a consumer should never spend more than 28 percent of his or her gross income on housing-related expenses and costs and not more than 36 percent of income on all expenses and debts. Homeowners in Naperville, IL have a median income of $127,468. Therefore, the amount that a consumer should spend on housing costs should be no more than $2,974 per month to avoid calamity and poverty. The renters in the city have an income of about $59,255, which would make their monthly maximum allowable rental costs $1,383.

Illinois Sales Tax

StateGeneral Sales TaxWith Max Surtax
Illinois6.25%9.75%

Illinois Income Tax

StateIncome Tax (Low)Income Tax (High)
Illinois3.75%3.75%
When considering the overall cost of living expenses in Naperville, IL, it's important to take into account the sales tax for Illinois, as well as the rate for income tax in Illinois. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for Illinois is 9.75%, and the sales tax in the state of Illinois is 6.25%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in Illinois starts from 3.75% and goes up to 3.75%.

Goods & Services

ItemNapervilleNational avg.Difference
Haircut $15.50$14.596.2%
Beauty Salon $37.40$34.687.8%
Toothpaste $3.31$2.4733.8%
Shampoo $1.53$1.0249.7%
Movie $10.26$9.874.0%
Bowling $3.51$4.3920.1%

Groceries

ItemNapervilleNational avg.Difference
Ground Beef $4.21$4.486.0%
Fried Chicken $1.56$1.466.6%
Milk $2.65$2.3612.4%
Potatoes $2.78$3.069.2%
Pizza $8.86$9.244.1%
Beer $8.19$8.635.1%

Health Care

ItemNapervilleNational avg.Difference
Optometrist $111.13$99.7811.4%
Doctor $129.44$105.0323.2%
Dentist $82.38$88.707.1%
Ibuprofen $8.99$9.414.5%
Lipitor $298.47$298.500.0%

Housing

ItemNapervilleNational avg.Difference
Home Price $377,900.00$175,700.00115.1%
Avg. Mortgage Payment $1,023.97$1,081.035.3%
Apartment Rent $1,290.00$920.0040.2%

Transportation

ItemNapervilleNational avg.Difference
Gasoline $2.03$2.093.1%
Tire Balancing $49.67$45.299.7%

Utilities

ItemNapervilleNational avg.Difference
All Electricity$175.65$170.802.8%
Phone $29.20$28.263.3%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Fairmont, IL2,38491-9%
Bellwood, IL19,14999-1%
Stone Park, IL4,9591011%
Northlake, IL12,3681033%
Crest Hill, IL20,44498-2%
Naperville, IL144,10812828%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
McKinney, TX144,06611010%
Syracuse, NY144,64890-10%
Hollywood, FL145,1281022%
Mesquite, TX142,55297-3%
Lakewood, CO145,8801099%
Naperville, IL144,10812828%
Source: The Naperville, IL cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.