Cost of Living: Ontario, CA vs Naperville, IL (2026)

Ontario

California
152
VS

Naperville

Illinois
147

Ontario is 3% more expensive than Naperville.

$1,916/mo ↑ 3%
Median Rent
$1,852/mo ↓ 3%
$82,806/yr ↓ 45%
Median Income
$150,937/yr ↑ 82%
$568,000 ↑ 11%
Home Value
$509,900 ↓ 10%
$1,967/mo ↓ 9%
Owner Costs
$2,161/mo ↑ 10%
178,347
Population
149,424

Tax Comparison

13.3%
Income Tax
4.95%
7.25%
State Sales Tax
6.25%
0.71%
Property Tax
2.07%

Affordability

27.8%
rent-to-income
Affordability
14.7%
rent-to-income

Detailed Comparison

When comparing Ontario, CA and Naperville, IL, the overall cost of living indices are 152 and 147 respectively (national median = 100). Rent is $64/month cheaper in Naperville, saving renters about $768/year.

Median household income is $68,131/year higher in Naperville. Home values also differ significantly — the median in Ontario is $568,000 compared to $509,900 in Naperville.

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

Frequently Asked Questions

Ontario vs Naperville — common questions

Is Ontario or Naperville cheaper to live in?
Based on our cost index, Naperville is cheaper to live in with an index of 147 compared to 152 (US average = 100).
What is the rent difference between Ontario and Naperville?
Median rent in Ontario is $1,916/month and in Naperville it's $1,852/month — a difference of $64/month.
Which city has higher income, Ontario or Naperville?
Median household income is $82,806 in Ontario and $150,937 in Naperville. Median household income is $68,131/year higher in Naperville.
How do taxes compare between California and Illinois?
California has 13.3% income tax, 7.25% sales tax, and 0.71% property tax. Illinois has 4.95% income tax, 6.25% sales tax, and 2.07% property tax.
Should I move to Ontario or Naperville?
It depends on your priorities. Ontario has a cost index of 152 with median rent of $1,916/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 Ontario details → View Naperville details →

More Comparisons

Other cost of living comparisons for Ontario and Naperville

Ontario vs. Aurora Ontario vs. Eugene Ontario vs. Chattanooga Ontario vs. Elk Grove Ontario vs. Fort Lauderdale Ontario vs. Santa Rosa Naperville vs. Surprise Naperville vs. Pasadena Naperville vs. Joliet Naperville vs. Mesquite Naperville vs. Jackson Naperville vs. Pomona