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

Irving

Texas
102
VS

Naperville

Illinois
147

Irving is 31% cheaper than Naperville.

$1,517/mo ↓ 18%
Median Rent
$1,852/mo ↑ 22%
$79,641/yr ↓ 47%
Median Income
$150,937/yr ↑ 90%
$287,300 ↓ 44%
Home Value
$509,900 ↑ 77%
$1,521/mo ↓ 30%
Owner Costs
$2,161/mo ↑ 42%
255,036
Population
149,424

Tax Comparison

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

Affordability

22.9%
rent-to-income
Affordability
14.7%
rent-to-income

Detailed Comparison

When comparing Irving, TX and Naperville, IL, the overall cost of living indices are 102 and 147 respectively (national median = 100). Rent is $335/month cheaper in Irving, saving renters about $4,020/year.

Median household income is $71,296/year higher in Naperville. Home values also differ significantly — the median in Irving is $287,300 compared to $509,900 in Naperville.

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

Frequently Asked Questions

Irving vs Naperville — common questions

Is Irving or Naperville cheaper to live in?
Based on our cost index, Irving is cheaper to live in with an index of 102 compared to 147 (US average = 100).
What is the rent difference between Irving and Naperville?
Median rent in Irving is $1,517/month and in Naperville it's $1,852/month — a difference of $335/month.
Which city has higher income, Irving or Naperville?
Median household income is $79,641 in Irving and $150,937 in Naperville. Median household income is $71,296/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 Irving or Naperville?
It depends on your priorities. Irving has a cost index of 102 with median rent of $1,517/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 Irving details → View Naperville details →

More Comparisons

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