Cost of Living: Phoenix, AZ vs Naperville, IL (2026)

Phoenix

Arizona
109
VS

Naperville

Illinois
147

Phoenix is 26% cheaper than Naperville.

$1,458/mo ↓ 21%
Median Rent
$1,852/mo ↑ 27%
$77,041/yr ↓ 49%
Median Income
$150,937/yr ↑ 96%
$381,900 ↓ 25%
Home Value
$509,900 ↑ 34%
$1,430/mo ↓ 34%
Owner Costs
$2,161/mo ↑ 51%
1,624,832
Population
149,424

Tax Comparison

2.5%
Income Tax
4.95%
5.6%
State Sales Tax
6.25%
0.62%
Property Tax
2.07%

Affordability

22.7%
rent-to-income
Affordability
14.7%
rent-to-income

Detailed Comparison

When comparing Phoenix, AZ and Naperville, IL, the overall cost of living indices are 109 and 147 respectively (national median = 100). Rent is $394/month cheaper in Phoenix, saving renters about $4,728/year.

Median household income is $73,896/year higher in Naperville. Home values also differ significantly — the median in Phoenix is $381,900 compared to $509,900 in Naperville.

Arizona has a lower income tax rate, making Phoenix slightly more tax-friendly.

Frequently Asked Questions

Phoenix vs Naperville — common questions

Is Phoenix or Naperville cheaper to live in?
Based on our cost index, Phoenix is cheaper to live in with an index of 109 compared to 147 (US average = 100).
What is the rent difference between Phoenix and Naperville?
Median rent in Phoenix is $1,458/month and in Naperville it's $1,852/month — a difference of $394/month.
Which city has higher income, Phoenix or Naperville?
Median household income is $77,041 in Phoenix and $150,937 in Naperville. Median household income is $73,896/year higher in Naperville.
How do taxes compare between Arizona and Illinois?
Arizona has 2.5% income tax, 5.6% sales tax, and 0.62% property tax. Illinois has 4.95% income tax, 6.25% sales tax, and 2.07% property tax.
Should I move to Phoenix or Naperville?
It depends on your priorities. Phoenix has a cost index of 109 with median rent of $1,458/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 Phoenix details → View Naperville details →

More Comparisons

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