Cost of Living: Miami, FL vs Naperville, IL (2026)

Miami

Florida
129
VS

Naperville

Illinois
147

Miami is 12% cheaper than Naperville.

$1,657/mo ↓ 11%
Median Rent
$1,852/mo ↑ 12%
$59,390/yr ↓ 61%
Median Income
$150,937/yr ↑ 154%
$475,200 ↓ 7%
Home Value
$509,900 ↑ 7%
$1,666/mo ↓ 23%
Owner Costs
$2,161/mo ↑ 30%
446,663
Population
149,424

Tax Comparison

0%
Income Tax
4.95%
6.0%
State Sales Tax
6.25%
0.86%
Property Tax
2.07%

Affordability

33.5%
rent-to-income
Affordability
14.7%
rent-to-income

Detailed Comparison

When comparing Miami, FL and Naperville, IL, the overall cost of living indices are 129 and 147 respectively (national median = 100). Rent is $195/month cheaper in Miami, saving renters about $2,340/year.

Median household income is $91,547/year higher in Naperville. Home values also differ significantly — the median in Miami is $475,200 compared to $509,900 in Naperville.

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

Frequently Asked Questions

Miami vs Naperville — common questions

Is Miami or Naperville cheaper to live in?
Based on our cost index, Miami is cheaper to live in with an index of 129 compared to 147 (US average = 100).
What is the rent difference between Miami and Naperville?
Median rent in Miami is $1,657/month and in Naperville it's $1,852/month — a difference of $195/month.
Which city has higher income, Miami or Naperville?
Median household income is $59,390 in Miami and $150,937 in Naperville. Median household income is $91,547/year higher in Naperville.
How do taxes compare between Florida and Illinois?
Florida has 0% income tax, 6.0% sales tax, and 0.86% property tax. Illinois has 4.95% income tax, 6.25% sales tax, and 2.07% property tax.
Should I move to Miami or Naperville?
It depends on your priorities. Miami has a cost index of 129 with median rent of $1,657/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 Miami details → View Naperville details →

More Comparisons

Other cost of living comparisons for Miami and Naperville

Miami vs. Virginia Beach Miami vs. Oakland Miami vs. Long Beach Miami vs. Minneapolis Miami vs. Raleigh Miami vs. Tulsa Naperville vs. Surprise Naperville vs. Pasadena Naperville vs. Joliet Naperville vs. Mesquite Naperville vs. Jackson Naperville vs. Pomona