Cost of Living: Naperville, IL vs Independence, MO (2026)

Naperville

Illinois
147
VS

Independence

Missouri
67

Naperville is 119% more expensive than Independence.

$1,852/mo ↑ 75%
Median Rent
$1,061/mo ↓ 43%
$150,937/yr ↑ 154%
Median Income
$59,480/yr ↓ 61%
$509,900 ↑ 206%
Home Value
$166,400 ↓ 67%
$2,161/mo ↑ 107%
Owner Costs
$1,046/mo ↓ 52%
149,424
Population
121,944

Tax Comparison

4.95%
Income Tax
4.95%
6.25%
State Sales Tax
4.225%
2.07%
Property Tax
0.93%

Affordability

14.7%
rent-to-income
Affordability
21.4%
rent-to-income

Detailed Comparison

When comparing Naperville, IL and Independence, MO, the overall cost of living indices are 147 and 67 respectively (national median = 100). Rent is $791/month cheaper in Independence, saving renters about $9,492/year.

Median household income is $91,457/year higher in Naperville. Home values also differ significantly — the median in Naperville is $509,900 compared to $166,400 in Independence.

Frequently Asked Questions

Naperville vs Independence — common questions

Is Naperville or Independence cheaper to live in?
Based on our cost index, Independence is cheaper to live in with an index of 67 compared to 147 (US average = 100).
What is the rent difference between Naperville and Independence?
Median rent in Naperville is $1,852/month and in Independence it's $1,061/month — a difference of $791/month.
Which city has higher income, Naperville or Independence?
Median household income is $150,937 in Naperville and $59,480 in Independence. Median household income is $91,457/year higher in Naperville.
How do taxes compare between Illinois and Missouri?
Illinois has 4.95% income tax, 6.25% sales tax, and 2.07% property tax. Missouri has 4.95% income tax, 4.225% sales tax, and 0.93% property tax.
Should I move to Naperville or Independence?
It depends on your priorities. Naperville has a cost index of 147 with median rent of $1,852/mo, while Independence has a cost index of 67 with rent of $1,061/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Naperville details → View Independence details →

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