Cost of Living: Amarillo, TX vs Naperville, IL (2026)

Amarillo

Texas
69
VS

Naperville

Illinois
147

Amarillo is 78% cheaper than Naperville.

$1,049/mo ↓ 43%
Median Rent
$1,852/mo ↑ 77%
$62,469/yr ↓ 59%
Median Income
$150,937/yr ↑ 142%
$186,800 ↓ 63%
Home Value
$509,900 ↑ 173%
$1,074/mo ↓ 50%
Owner Costs
$2,161/mo ↑ 101%
200,945
Population
149,424

Tax Comparison

0%
Income Tax
4.95%
6.25%
Sales Tax
6.25%
1.6%
Property Tax
2.07%

Affordability

20.2%
rent-to-income
Affordability
14.7%
rent-to-income

Detailed Comparison

When comparing Amarillo, TX and Naperville, IL, the overall cost of living indices are 69 and 147 respectively (national median = 100). Rent is $803/month cheaper in Amarillo, saving renters about $9,636/year.

Median household income is $88,468/year higher in Naperville. Home values also differ significantly — the median in Amarillo is $186,800 compared to $509,900 in Naperville.

Texas has no state income tax, giving Amarillo residents a significant tax advantage over Illinois's 4.95% rate.

Frequently Asked Questions

Amarillo vs Naperville — common questions

Is Amarillo or Naperville cheaper to live in?
Based on our cost index, Amarillo is cheaper to live in with an index of 69 compared to 147 (US average = 100).
What is the rent difference between Amarillo and Naperville?
Median rent in Amarillo is $1,049/month and in Naperville it's $1,852/month — a difference of $803/month.
Which city has higher income, Amarillo or Naperville?
Median household income is $62,469 in Amarillo and $150,937 in Naperville. Median household income is $88,468/year higher in Naperville.
How do taxes compare between Texas and Illinois?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. Illinois has 4.95% income tax, 6.25% sales tax, and 2.07% property tax.
Should I move to Amarillo or Naperville?
It depends on your priorities. Amarillo has a cost index of 69 with median rent of $1,049/mo, while Naperville has a cost index of 147 with rent of $1,852/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
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