Cost of Living: Naperville, IL vs Billings, MT (2026)

Naperville

Illinois
147
VS

Billings

Montana
86

Naperville is 71% more expensive than Billings.

$1,852/mo ↑ 69%
Median Rent
$1,097/mo ↓ 41%
$150,937/yr ↑ 110%
Median Income
$71,855/yr ↓ 52%
$509,900 ↑ 64%
Home Value
$311,800 ↓ 39%
$2,161/mo ↑ 84%
Owner Costs
$1,177/mo ↓ 46%
149,424
Population
118,321

Tax Comparison

4.95%
Income Tax
6.75%
6.25%
State Sales Tax
0%
2.07%
Property Tax
0.74%

Affordability

14.7%
rent-to-income
Affordability
18.3%
rent-to-income

Detailed Comparison

When comparing Naperville, IL and Billings, MT, the overall cost of living indices are 147 and 86 respectively (national median = 100). Rent is $755/month cheaper in Billings, saving renters about $9,060/year.

Median household income is $79,082/year higher in Naperville. Home values also differ significantly — the median in Naperville is $509,900 compared to $311,800 in Billings.

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

Frequently Asked Questions

Naperville vs Billings — common questions

Is Naperville or Billings cheaper to live in?
Based on our cost index, Billings is cheaper to live in with an index of 86 compared to 147 (US average = 100).
What is the rent difference between Naperville and Billings?
Median rent in Naperville is $1,852/month and in Billings it's $1,097/month — a difference of $755/month.
Which city has higher income, Naperville or Billings?
Median household income is $150,937 in Naperville and $71,855 in Billings. Median household income is $79,082/year higher in Naperville.
How do taxes compare between Illinois and Montana?
Illinois has 4.95% income tax, 6.25% sales tax, and 2.07% property tax. Montana has 6.75% income tax, 0% sales tax, and 0.74% property tax.
Should I move to Naperville or Billings?
It depends on your priorities. Naperville has a cost index of 147 with median rent of $1,852/mo, while Billings has a cost index of 86 with rent of $1,097/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Naperville details → View Billings details →

More Comparisons

Other cost of living comparisons for Naperville and Billings

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