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

Garland

Texas
96
VS

Naperville

Illinois
147

Garland is 35% cheaper than Naperville.

$1,525/mo ↓ 18%
Median Rent
$1,852/mo ↑ 21%
$74,717/yr ↓ 50%
Median Income
$150,937/yr ↑ 102%
$248,900 ↓ 51%
Home Value
$509,900 ↑ 105%
$1,445/mo ↓ 33%
Owner Costs
$2,161/mo ↑ 50%
245,298
Population
149,424

Tax Comparison

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

Affordability

24.5%
rent-to-income
Affordability
14.7%
rent-to-income

Detailed Comparison

When comparing Garland, TX and Naperville, IL, the overall cost of living indices are 96 and 147 respectively (national median = 100). Rent is $327/month cheaper in Garland, saving renters about $3,924/year.

Median household income is $76,220/year higher in Naperville. Home values also differ significantly — the median in Garland is $248,900 compared to $509,900 in Naperville.

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

Frequently Asked Questions

Garland vs Naperville — common questions

Is Garland or Naperville cheaper to live in?
Based on our cost index, Garland is cheaper to live in with an index of 96 compared to 147 (US average = 100).
What is the rent difference between Garland and Naperville?
Median rent in Garland is $1,525/month and in Naperville it's $1,852/month — a difference of $327/month.
Which city has higher income, Garland or Naperville?
Median household income is $74,717 in Garland and $150,937 in Naperville. Median household income is $76,220/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 Garland or Naperville?
It depends on your priorities. Garland has a cost index of 96 with median rent of $1,525/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 Garland details → View Naperville details →

More Comparisons

Other cost of living comparisons for Garland and Naperville

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