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

Naperville

Illinois
147
VS

Odessa

Texas
83

Naperville is 77% more expensive than Odessa.

$1,852/mo ↑ 40%
Median Rent
$1,322/mo ↓ 29%
$150,937/yr ↑ 107%
Median Income
$73,030/yr ↓ 52%
$509,900 ↑ 145%
Home Value
$208,000 ↓ 59%
$2,161/mo ↑ 73%
Owner Costs
$1,251/mo ↓ 42%
149,424
Population
114,080

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
21.7%
rent-to-income

Detailed Comparison

When comparing Naperville, IL and Odessa, TX, the overall cost of living indices are 147 and 83 respectively (national median = 100). Rent is $530/month cheaper in Odessa, saving renters about $6,360/year.

Median household income is $77,907/year higher in Naperville. Home values also differ significantly — the median in Naperville is $509,900 compared to $208,000 in Odessa.

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

Frequently Asked Questions

Naperville vs Odessa — common questions

Is Naperville or Odessa cheaper to live in?
Based on our cost index, Odessa is cheaper to live in with an index of 83 compared to 147 (US average = 100).
What is the rent difference between Naperville and Odessa?
Median rent in Naperville is $1,852/month and in Odessa it's $1,322/month — a difference of $530/month.
Which city has higher income, Naperville or Odessa?
Median household income is $150,937 in Naperville and $73,030 in Odessa. Median household income is $77,907/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 Odessa?
It depends on your priorities. Naperville has a cost index of 147 with median rent of $1,852/mo, while Odessa has a cost index of 83 with rent of $1,322/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Naperville details → View Odessa details →

More Comparisons

Other cost of living comparisons for Naperville and Odessa

Naperville vs. Surprise Naperville vs. Pasadena Naperville vs. Joliet Naperville vs. Mesquite Naperville vs. Jackson Naperville vs. Pomona Odessa vs. Elgin Odessa vs. Springfield Odessa vs. Provo Odessa vs. Beaumont Odessa vs. Waterbury Odessa vs. Gresham