Illinois · Population 149,424 · Updated March 2026
How far your income goes in Naperville
State-level tax rates that affect your costs
Naperville has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 147 (where 100 equals the national median), Naperville residents can expect to pay median rent of $1,852/month while earning a median household income of $150,937/year.
The median home value in Naperville, IL is $509,900, with typical monthly owner costs around $2,161 including mortgage, insurance, and taxes. The median rent-to-income ratio of 14.7% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.
Illinois has a moderate income tax rate of 4.95%. Combined with a 6.25% sales tax rate and 2.07% effective property tax rate, the overall tax environment is a factor in the total cost of living in Naperville.
Common questions about living costs in Naperville
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