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

McKinney

Texas
138
VS

Naperville

Illinois
147

McKinney is 6% cheaper than Naperville.

$1,841/mo ≈ Same
Median Rent
$1,852/mo ≈ Same
$120,273/yr ↓ 20%
Median Income
$150,937/yr ↑ 25%
$439,500 ↓ 14%
Home Value
$509,900 ↑ 16%
$2,101/mo ↓ 3%
Owner Costs
$2,161/mo ↑ 3%
202,314
Population
149,424

Tax Comparison

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

Affordability

18.4%
rent-to-income
Affordability
14.7%
rent-to-income

Detailed Comparison

When comparing McKinney, TX and Naperville, IL, the overall cost of living indices are 138 and 147 respectively (national median = 100). Rent is comparable in both cities, with less than $50/month separating them.

Median household income is $30,664/year higher in Naperville. Home values also differ significantly — the median in McKinney is $439,500 compared to $509,900 in Naperville.

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

Frequently Asked Questions

McKinney vs Naperville — common questions

Is McKinney or Naperville cheaper to live in?
Based on our cost index, McKinney is cheaper to live in with an index of 138 compared to 147 (US average = 100).
What is the rent difference between McKinney and Naperville?
Median rent in McKinney is $1,841/month and in Naperville it's $1,852/month — a difference of $11/month.
Which city has higher income, McKinney or Naperville?
Median household income is $120,273 in McKinney and $150,937 in Naperville. Median household income is $30,664/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 McKinney or Naperville?
It depends on your priorities. McKinney has a cost index of 138 with median rent of $1,841/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 McKinney details → View Naperville details →

More Comparisons

Other cost of living comparisons for McKinney and Naperville

McKinney vs. Little Rock McKinney vs. Augusta McKinney vs. Salt Lake City McKinney vs. Oxnard McKinney vs. Columbus McKinney vs. Amarillo Naperville vs. Surprise Naperville vs. Pasadena Naperville vs. Joliet Naperville vs. Mesquite Naperville vs. Jackson Naperville vs. Pomona