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

Naperville

Illinois
147
VS

Miami Gardens

Florida
115

Naperville is 28% more expensive than Miami Gardens.

$1,852/mo ↑ 8%
Median Rent
$1,709/mo ↓ 8%
$150,937/yr ↑ 148%
Median Income
$60,979/yr ↓ 60%
$509,900 ↑ 51%
Home Value
$337,200 ↓ 34%
$2,161/mo ↑ 32%
Owner Costs
$1,640/mo ↓ 24%
149,424
Population
111,264

Tax Comparison

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

Affordability

14.7%
rent-to-income
Affordability
33.6%
rent-to-income

Detailed Comparison

When comparing Naperville, IL and Miami Gardens, FL, the overall cost of living indices are 147 and 115 respectively (national median = 100). Rent is $143/month cheaper in Miami Gardens, saving renters about $1,716/year.

Median household income is $89,958/year higher in Naperville. Home values also differ significantly — the median in Naperville is $509,900 compared to $337,200 in Miami Gardens.

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

Frequently Asked Questions

Naperville vs Miami Gardens — common questions

Is Naperville or Miami Gardens cheaper to live in?
Based on our cost index, Miami Gardens is cheaper to live in with an index of 115 compared to 147 (US average = 100).
What is the rent difference between Naperville and Miami Gardens?
Median rent in Naperville is $1,852/month and in Miami Gardens it's $1,709/month — a difference of $143/month.
Which city has higher income, Naperville or Miami Gardens?
Median household income is $150,937 in Naperville and $60,979 in Miami Gardens. Median household income is $89,958/year higher in Naperville.
How do taxes compare between Illinois and Florida?
Illinois has 4.95% income tax, 6.25% sales tax, and 2.07% property tax. Florida has 0% income tax, 6.0% sales tax, and 0.86% property tax.
Should I move to Naperville or Miami Gardens?
It depends on your priorities. Naperville has a cost index of 147 with median rent of $1,852/mo, while Miami Gardens has a cost index of 115 with rent of $1,709/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Naperville details → View Miami Gardens details →

More Comparisons

Other cost of living comparisons for Naperville and Miami Gardens

Naperville vs. Surprise Naperville vs. Pasadena Naperville vs. Joliet Naperville vs. Mesquite Naperville vs. Jackson Naperville vs. Pomona Miami Gardens vs. Pueblo Miami Gardens vs. Everett Miami Gardens vs. Murrieta Miami Gardens vs. Costa Mesa Miami Gardens vs. Downey Miami Gardens vs. Temecula