Cost of Living: Naperville, IL vs Palm Bay, FL (2026)

Naperville

Illinois
147
VS

Palm Bay

Florida
91

Naperville is 62% more expensive than Palm Bay.

$1,852/mo ↑ 25%
Median Rent
$1,487/mo ↓ 20%
$150,937/yr ↑ 124%
Median Income
$67,521/yr ↓ 55%
$509,900 ↑ 106%
Home Value
$248,000 ↓ 51%
$2,161/mo ↑ 80%
Owner Costs
$1,203/mo ↓ 44%
149,424
Population
125,273

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
26.4%
rent-to-income

Detailed Comparison

When comparing Naperville, IL and Palm Bay, FL, the overall cost of living indices are 147 and 91 respectively (national median = 100). Rent is $365/month cheaper in Palm Bay, saving renters about $4,380/year.

Median household income is $83,416/year higher in Naperville. Home values also differ significantly — the median in Naperville is $509,900 compared to $248,000 in Palm Bay.

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

Frequently Asked Questions

Naperville vs Palm Bay — common questions

Is Naperville or Palm Bay cheaper to live in?
Based on our cost index, Palm Bay is cheaper to live in with an index of 91 compared to 147 (US average = 100).
What is the rent difference between Naperville and Palm Bay?
Median rent in Naperville is $1,852/month and in Palm Bay it's $1,487/month — a difference of $365/month.
Which city has higher income, Naperville or Palm Bay?
Median household income is $150,937 in Naperville and $67,521 in Palm Bay. Median household income is $83,416/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 Palm Bay?
It depends on your priorities. Naperville has a cost index of 147 with median rent of $1,852/mo, while Palm Bay has a cost index of 91 with rent of $1,487/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Naperville details → View Palm Bay details →

More Comparisons

Other cost of living comparisons for Naperville and Palm Bay

Naperville vs. Surprise Naperville vs. Pasadena Naperville vs. Joliet Naperville vs. Mesquite Naperville vs. Jackson Naperville vs. Pomona Palm Bay vs. Allentown Palm Bay vs. Meridian Palm Bay vs. Thousand Oaks Palm Bay vs. Vallejo Palm Bay vs. Simi Valley Palm Bay vs. Round Rock