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

Naperville

Illinois
147
VS

Carrollton

Texas
116

Naperville is 27% more expensive than Carrollton.

$1,852/mo ↑ 11%
Median Rent
$1,674/mo ↓ 10%
$150,937/yr ↑ 52%
Median Income
$99,115/yr ↓ 34%
$509,900 ↑ 44%
Home Value
$353,600 ↓ 31%
$2,161/mo ↑ 28%
Owner Costs
$1,689/mo ↓ 22%
149,424
Population
132,741

Tax Comparison

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

Affordability

14.7%
rent-to-income
Affordability
20.3%
rent-to-income

Detailed Comparison

When comparing Naperville, IL and Carrollton, TX, the overall cost of living indices are 147 and 116 respectively (national median = 100). Rent is $178/month cheaper in Carrollton, saving renters about $2,136/year.

Median household income is $51,822/year higher in Naperville. Home values also differ significantly — the median in Naperville is $509,900 compared to $353,600 in Carrollton.

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

Frequently Asked Questions

Naperville vs Carrollton — common questions

Is Naperville or Carrollton cheaper to live in?
Based on our cost index, Carrollton is cheaper to live in with an index of 116 compared to 147 (US average = 100).
What is the rent difference between Naperville and Carrollton?
Median rent in Naperville is $1,852/month and in Carrollton it's $1,674/month — a difference of $178/month.
Which city has higher income, Naperville or Carrollton?
Median household income is $150,937 in Naperville and $99,115 in Carrollton. Median household income is $51,822/year higher in Naperville.
How do taxes compare between Illinois and Texas?
Illinois has 4.95% income tax, 6.25% sales tax, and 2.07% property tax. Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to Naperville or Carrollton?
It depends on your priorities. Naperville has a cost index of 147 with median rent of $1,852/mo, while Carrollton has a cost index of 116 with rent of $1,674/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Naperville details → View Carrollton details →

More Comparisons

Other cost of living comparisons for Naperville and Carrollton

Naperville vs. Surprise Naperville vs. Pasadena Naperville vs. Joliet Naperville vs. Mesquite Naperville vs. Jackson Naperville vs. Pomona Carrollton vs. New Haven Carrollton vs. Santa Clara Carrollton vs. Sterling Heights Carrollton vs. Fargo Carrollton vs. Coral Springs Carrollton vs. Norman