Cost of Living: Chula Vista, CA vs Naperville, IL (2026)

Chula Vista

California
178
VS

Naperville

Illinois
147

Chula Vista is 21% more expensive than Naperville.

$2,122/mo ↑ 15%
Median Rent
$1,852/mo ↓ 13%
$105,173/yr ↓ 30%
Median Income
$150,937/yr ↑ 44%
$697,400 ↑ 37%
Home Value
$509,900 ↓ 27%
$2,342/mo ↑ 8%
Owner Costs
$2,161/mo ↓ 8%
275,030
Population
149,424

Tax Comparison

13.3%
Income Tax
4.95%
7.25%
State Sales Tax
6.25%
0.71%
Property Tax
2.07%

Affordability

24.2%
rent-to-income
Affordability
14.7%
rent-to-income

Detailed Comparison

When comparing Chula Vista, CA and Naperville, IL, the overall cost of living indices are 178 and 147 respectively (national median = 100). Rent is $270/month cheaper in Naperville, saving renters about $3,240/year.

Median household income is $45,764/year higher in Naperville. Home values also differ significantly — the median in Chula Vista is $697,400 compared to $509,900 in Naperville.

Illinois has a lower income tax rate, making Naperville slightly more tax-friendly.

Frequently Asked Questions

Chula Vista vs Naperville — common questions

Is Chula Vista or Naperville cheaper to live in?
Based on our cost index, Naperville is cheaper to live in with an index of 147 compared to 178 (US average = 100).
What is the rent difference between Chula Vista and Naperville?
Median rent in Chula Vista is $2,122/month and in Naperville it's $1,852/month — a difference of $270/month.
Which city has higher income, Chula Vista or Naperville?
Median household income is $105,173 in Chula Vista and $150,937 in Naperville. Median household income is $45,764/year higher in Naperville.
How do taxes compare between California and Illinois?
California has 13.3% income tax, 7.25% sales tax, and 0.71% property tax. Illinois has 4.95% income tax, 6.25% sales tax, and 2.07% property tax.
Should I move to Chula Vista or Naperville?
It depends on your priorities. Chula Vista has a cost index of 178 with median rent of $2,122/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.
View Chula Vista details → View Naperville details →

More Comparisons

Other cost of living comparisons for Chula Vista and Naperville

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