Cost of Living: Naperville, IL vs Springfield, IL (2026)

Naperville

Illinois
147
VS

Springfield

Illinois
61

Naperville is 141% more expensive than Springfield.

$1,852/mo ↑ 96%
Median Rent
$945/mo ↓ 49%
$150,937/yr ↑ 130%
Median Income
$65,537/yr ↓ 57%
$509,900 ↑ 229%
Home Value
$155,200 ↓ 70%
$2,161/mo ↑ 122%
Owner Costs
$974/mo ↓ 55%
149,424
Population
113,714

Tax Comparison

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

Affordability

14.7%
rent-to-income
Affordability
17.3%
rent-to-income

Detailed Comparison

When comparing Naperville, IL and Springfield, IL, the overall cost of living indices are 147 and 61 respectively (national median = 100). Rent is $907/month cheaper in Springfield, saving renters about $10,884/year.

Median household income is $85,400/year higher in Naperville. Home values also differ significantly — the median in Naperville is $509,900 compared to $155,200 in Springfield.

Both cities share the same state tax structure since they are in Illinois.

Frequently Asked Questions

Naperville vs Springfield — common questions

Is Naperville or Springfield cheaper to live in?
Based on our cost index, Springfield is cheaper to live in with an index of 61 compared to 147 (US average = 100).
What is the rent difference between Naperville and Springfield?
Median rent in Naperville is $1,852/month and in Springfield it's $945/month — a difference of $907/month.
Which city has higher income, Naperville or Springfield?
Median household income is $150,937 in Naperville and $65,537 in Springfield. Median household income is $85,400/year higher in Naperville.
How do taxes compare between Illinois and Illinois?
Both cities are in Illinois and share the same state tax rates: 4.95% income tax, 6.25% sales tax, and 2.07% property tax.
Should I move to Naperville or Springfield?
It depends on your priorities. Naperville has a cost index of 147 with median rent of $1,852/mo, while Springfield has a cost index of 61 with rent of $945/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Naperville details → View Springfield details →

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