Cost of Living: Naperville, IL vs Concord, CA (2026)

Naperville

Illinois
147
VS

Concord

California
187

Naperville is 21% cheaper than Concord.

$1,852/mo ↓ 17%
Median Rent
$2,226/mo ↑ 20%
$150,937/yr ↑ 38%
Median Income
$109,195/yr ↓ 28%
$509,900 ↓ 33%
Home Value
$755,900 ↑ 48%
$2,161/mo ↓ 5%
Owner Costs
$2,284/mo ↑ 6%
149,424
Population
124,260

Tax Comparison

4.95%
Income Tax
13.3%
6.25%
State Sales Tax
7.25%
2.07%
Property Tax
0.71%

Affordability

14.7%
rent-to-income
Affordability
24.5%
rent-to-income

Detailed Comparison

When comparing Naperville, IL and Concord, CA, the overall cost of living indices are 147 and 187 respectively (national median = 100). Rent is $374/month cheaper in Naperville, saving renters about $4,488/year.

Median household income is $41,742/year higher in Naperville. Home values also differ significantly — the median in Naperville is $509,900 compared to $755,900 in Concord.

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

Frequently Asked Questions

Naperville vs Concord — common questions

Is Naperville or Concord cheaper to live in?
Based on our cost index, Naperville is cheaper to live in with an index of 147 compared to 187 (US average = 100).
What is the rent difference between Naperville and Concord?
Median rent in Naperville is $1,852/month and in Concord it's $2,226/month — a difference of $374/month.
Which city has higher income, Naperville or Concord?
Median household income is $150,937 in Naperville and $109,195 in Concord. Median household income is $41,742/year higher in Naperville.
How do taxes compare between Illinois and California?
Illinois has 4.95% income tax, 6.25% sales tax, and 2.07% property tax. California has 13.3% income tax, 7.25% sales tax, and 0.71% property tax.
Should I move to Naperville or Concord?
It depends on your priorities. Naperville has a cost index of 147 with median rent of $1,852/mo, while Concord has a cost index of 187 with rent of $2,226/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Naperville details → View Concord details →

More Comparisons

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