Cost of Living: New York, NY vs Naperville, IL (2026)

New York

New York
166
VS

Naperville

Illinois
147

New York is 13% more expensive than Naperville.

$1,779/mo ↓ 4%
Median Rent
$1,852/mo ↑ 4%
$79,713/yr ↓ 47%
Median Income
$150,937/yr ↑ 89%
$751,700 ↑ 47%
Home Value
$509,900 ↓ 32%
$1,837/mo ↓ 15%
Owner Costs
$2,161/mo ↑ 18%
8,516,202
Population
149,424

Tax Comparison

10.9%
Income Tax
4.95%
4.0%
State Sales Tax
6.25%
1.62%
Property Tax
2.07%

Affordability

26.8%
rent-to-income
Affordability
14.7%
rent-to-income

Detailed Comparison

When comparing New York, NY and Naperville, IL, the overall cost of living indices are 166 and 147 respectively (national median = 100). Rent is $73/month cheaper in New York, saving renters about $876/year.

Median household income is $71,224/year higher in Naperville. Home values also differ significantly — the median in New York is $751,700 compared to $509,900 in Naperville.

Illinois has a lower income tax rate, making Naperville slightly more tax-friendly.

Frequently Asked Questions

New York vs Naperville — common questions

Is New York or Naperville cheaper to live in?
Based on our cost index, Naperville is cheaper to live in with an index of 147 compared to 166 (US average = 100).
What is the rent difference between New York and Naperville?
Median rent in New York is $1,779/month and in Naperville it's $1,852/month — a difference of $73/month.
Which city has higher income, New York or Naperville?
Median household income is $79,713 in New York and $150,937 in Naperville. Median household income is $71,224/year higher in Naperville.
How do taxes compare between New York and Illinois?
New York has 10.9% income tax, 4.0% sales tax, and 1.62% property tax. Illinois has 4.95% income tax, 6.25% sales tax, and 2.07% property tax.
Should I move to New York or Naperville?
It depends on your priorities. New York has a cost index of 166 with median rent of $1,779/mo, while Naperville has a cost index of 147 with rent of $1,852/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View New York details → View Naperville details →

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